1. Card issuers generally issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. It can be roughly divided into Puka, Gold Card, Platinum Card and Unlimited Card. With the improvement of credit card grade, the corresponding credit limit is also higher and higher. Generally speaking, the maximum limit of ordinary credit cards is 1, yuan, the maximum limit of gold cards is about 5, yuan, the maximum limit of platinum gold cards is tens of thousands to hundreds of thousands, and the unlimited minimum limit cards are not just hundreds of thousands. The continuous rise of credit cards also means the continuous improvement of rights and interests. Only high-level credit cards can enjoy many high-end services.
2. The credit limit of ordinary cards is the lowest. The credit limit of ordinary cards in China is generally only 5 RMB. Gold card Generally, banks do not directly apply for gold cards for individuals who have no credit history of ordinary cards, and the approval of gold cards is stricter than that of ordinary cards, and applicants will be required to provide proof of income and good credit history. China's gold card credit amount is generally between 1, and 5, RMB. Platinum card or diamond card is a credit card issued by card issuers to distinguish it from gold card customers. Generally, it adopts membership system, with customer service telephone hotline service and value-added services that are highly respected. Platinum card (diamond card) is the highest level of credit cards issued by Chinese banks at present. The approval of platinum card (diamond card) by banks is very strict, and the application conditions are also very harsh. Only a small number of high-income or leaders can apply. Its credit limit is generally 1 to 1 million RMB.
3. customers can check the star rating through online banking or telephone banking, mobile banking and business outlets, or consult the customer service manager. Seven-star customers: the star point value is above 8 (inclusive); Six-star customers: the star point value is 1 (inclusive) ~ 8; Five-star customers: star point value 2 (inclusive) ~ 1; Four-star customers: the star point value is 5 (inclusive) ~ 2; Three-star customers: star point value 5 (inclusive) ~ 5; Quasi-star customers: star point value (excluding) ~ 5.
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Although they are all credit cards, the types and grades of credit cards are different, and the credit lines granted by banks are also different. Some people often complain online that their credit card limit is too low, and envy others that they can have more than 1, or even hundreds of thousands of credit cards. Complaining that the bank doesn't withdraw money from your credit card is not because the bank doesn't withdraw money from your credit card, but because your credit card level is not enough and the credit card amount is not much higher.
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