CCB VIP customers are divided into platinum card customers of the head office and gold card customers of branches. The differences are as follows:

1. Platinum card customers of the Head Office need to meet (only one of them can be met): the monthly deposit in CCB reaches 500,000 yuan; Personal loans reached 6,543,800 yuan; Purchase 500,000 yuan of government bonds, insurance and funds; For two consecutive years, the annual shopping consumption of credit cards reached 654.38+10,000 yuan; The monthly turnover of personal foreign exchange transactions is $800,000.

2. Branch-level gold card customers need to meet (only one of them needs to be met): the monthly deposit in CCB reaches 200,000 yuan; Personal loans reached 500,000 yuan; Purchase 200,000 yuan of government bonds, insurance and funds; For two consecutive years, the annual shopping consumption of credit cards reached 654.38+10,000 yuan; The monthly turnover of personal foreign exchange transactions is $400,000.

What is a VIP customer of CCB?

Simply put, it is a VIP customer.

Becoming a vip customer is actually a condition for handling a financial platinum card. Customers holding CCB Financial Platinum Card (or Gold Card) can provide financial services in CCB's national (or local) financial centers, financial windows or VIP rooms, and enjoy various preferential policies.

Vip customers of CCB are divided into platinum customers of the head office and gold customers of branches.

Platinum card customers of the head office need to meet one of the following conditions: the monthly deposit in CCB reaches 500,000 yuan; Personal loans reached 6,543,800 yuan; Purchase 500,000 yuan of government bonds, insurance and funds; For two consecutive years, the annual shopping consumption of credit cards reached 654.38+10,000 yuan; The monthly turnover of personal foreign exchange transactions is $800,000.

Branch-level gold card customers need to meet one of the following conditions: the monthly deposit in CCB reaches 200,000 yuan; Personal loans reached 500,000 yuan; Purchase 200,000 yuan of government bonds, insurance and funds; For two consecutive years, the annual shopping consumption of credit cards reached 654.38+10,000 yuan; The monthly turnover of personal foreign exchange transactions is $400,000.

China Construction Bank user classification:

1. CCB ordinary credit card: CCB's lowest credit card is an ordinary card, which has the lowest credit limit. The credit limit of CCB ordinary cards is generally only about 3,000 yuan. If a cardholder applies for a credit card for the first time, CCB will generally start issuing it from a normal card.

2. Gold card of CCB's credit card grade: In CCB's credit card grade, gold card is one grade higher than ordinary card. CCB generally does not directly handle 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. The credit limit of CCB Gold Card is generally between RMB 654.38+RMB 0,000-RMB 50,000.

3. Platinum card of CCB credit card level: CCB credit card is a relatively high-level credit card after reaching the platinum card level. Cardholders of such credit cards can not only get value-added services such as airport VIP treatment, exclusive customer service telephone hotline service, and high-value compulsory insurance, but also enjoy the VIP counter channel of the bank. However, this kind of CCB credit card has a high level and generally charges a high annual fee. The credit limit of the platinum card of China Construction Bank is generally more than 50,000 yuan.

4. CCB credit card grade diamond card: Diamond card is the highest grade credit card of CCB, which is launched by CCB to lock the consumer market at the top of the pyramid because of the increasingly fierce competition in the financial environment, and usually enjoys more respected services and rights than platinum card. The credit limit of platinum card of China Construction Bank is generally more than 200,000 yuan.

How to distinguish the credit card grades of China Construction Bank?

The credit cards of China Construction Bank are divided into four grades, from low to high: ordinary cards, gold cards, platinum credit cards and diamond credit cards. Details are as follows: 1. Ordinary card: The lowest credit card of CCB is ordinary card, which has the lowest credit limit. The credit limit of CCB ordinary cards is generally only about 5,000 yuan. If a cardholder applies for a credit card for the first time, CCB will generally start issuing it from a normal card. 2. CCB credit card-level gold card: For individuals who have no credit record of ordinary cards, CCB generally does not directly apply for gold 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 records. 3. Platinum Card: It is a relatively advanced credit card. The cardholder of this credit card can not only get value-added services such as VIP treatment at the airport, exclusive customer service telephone hotline service, and high-value compulsory insurance, but also enjoy the VIP counter channel of the bank. However, this kind of CCB credit card has a high level and generally charges a high annual fee. 4. Diamond Card: This is the highest-level credit card launched by CCB in order to lock in the consumer market at the top of the pyramid due to the increasingly fierce competition in the financial environment. Usually, it enjoys more respected services and rights than a platinum card.

Is there an annual fee for CCB Diamond Card? You can exchange points.

Diamond card is a high-end credit card product of CCB, which has the characteristics of high credit limit and rich value-added rights and interests, and can provide exclusive VIP services for cardholders. Many card friends not only pay attention to the rights and interests of CCB Diamond Card, but also want to know the annual fee of this credit card. Let's have a look.

Is there an annual fee for CCB Diamond Card?

This is natural. CCB Diamond Card is a high-end credit card, and the annual fee is dozens of times that of ordinary credit cards, and it is a rigid annual fee, so you can't enjoy the annual fee discount. The annual fee is 4800 yuan/year/card for the main card and 2800 yuan/year/card for the auxiliary card. After the card is approved, an annual fee will be charged.

Although the annual fee of CCB Diamond Card cannot be reduced, the comprehensive points can be used to exchange all or part of the annual fee. Every 50,000 points can be converted into an annual fee 100 yuan, which can be converted into an integer multiple of 50,000 yuan. How much annual fee can be converted in the end depends on the comprehensive points of credit cards.

If you want to exchange points for annual fees, cardholders can only apply for manual service through VIP hotline 400-888-8858, and each card can only apply for redemption once every natural year, so it is best to accumulate enough points before applying.

So, how does CCB Diamond Card accumulate points?

CCB Credit Card can accumulate comprehensive points by swiping the card, and the percentage of points is as follows:

1, RMB 1 yuan per consumption = 1 points;

2. Every $65,438 +0 yuan =7 points;

3. 1 yuan = 9 points for each consumption.

The above consumption amount is less than 1 yuan, partially rounded off.

Is there an annual fee for the CCB diamond card? I hope it helps you. In short, CCB Diamond Card, as a high-end credit card product, has an annual fee, which is not cheap, but it can be redeemed by comprehensive points.

What level is the CCB black gold card?

What is the level and treatment of CCB's black gold card?

CCB Black Gold Card refers to CCB Diamond Card. Diamond credit card is also the highest-ranking credit card product among the credit cards launched by CCB. Generally, such a credit card can enjoy more rights and interests. The treatment of the construction bank's black gold card can mainly be reflected in financial services and value-added services.

1 financial services: enjoy special financial services, 24-hour VIP line service, priority queuing service at outlets, preferential interest rate for personal consumption loans, double credit card spending, and high credit card credit line;

Value-added services: free golf driving range, medical VIP access, 24-hour free road rescue, airport VIP room service, private lawyer service and tens of millions of aviation accident insurance.

The difference between platinum credit card and black credit card is as follows:

1. line: platinum card (line 50,000-1 10,000 yuan) and black card (line 1 10,000 yuan, less than 5 million yuan);

2. Annual fee standard: 2,000 yuan for domestic platinum card and 0/8,000 yuan for black gold card.

3. Annual fee-free policy: Platinum cardholders who spend a total of 4 million yuan can get a permanent annual fee-free discount for the main and auxiliary cards; The accumulated consumption of black cards is 6.5438+million yuan, and the main and auxiliary cards can be given a permanent annual fee-free discount.

4. Preferential policies for card use; Platinum cards and black cards have different promotion preferential policies at different time periods. Black gold cards enjoy more benefits and discounts than platinum cards. For details, please refer to the real-time promotion activities of ICBC Credit Card in official website. The services enjoyed by the black card almost include various supporting services such as tourism and entertainment planning and emergency handling, and the service purpose of the card also belongs to the highest level. No matter where the cardholder is, any request will be responded and assisted immediately.

Benefits:

1. Annual fee-free policy: swipe the card for three times for the Puka Gold Card (excluding special cards such as business cards and car cards), and the annual fee for the following year will be exempted.

2. Withdrawal fee: domestic: 65438+ 0‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.

3. The longest interest-free period: 50 days.

4. Multi-account management: quota sharing, and independent repayment on the billing date.

5. Online payment: Alipay: it can be used after online registration, with a single and single-day limit of 5,000 yuan.

6. Staging business: support interest-free staging for specific merchants (3, 6, 12, 24). If the single consumption exceeds 1000 yuan, you can apply for installment (3, 6, 12) by phone, and each installment will generate different handling fees according to the number of installments.

7. Bookkeeping date: 27th of each month, which can be revised once a year.

8. Card type: Gold card (amount 1 RMB 0-50,000)

9. The credit card of China Construction Bank provides you with cash withdrawal service (cash withdrawal), and the cash withdrawal handling fee must be paid. According to the relevant regulations of the People's Bank of China and the SAFE, the daily cash withdrawal (cash withdrawal) of each card in China does not exceed 5,000 yuan (except for overpayment outlets);

What are the application conditions for diamond card, platinum card and black gold card of CCB?

1. diamond card: the personal annual income is not less than 1 10,000 yuan, or the personal financial assets in CCB are not less than 3 million yuan, or the personal net assets are not less than 1 10,000 yuan, or the effective consumption of Longka himself in the last year is not less than 300,000 yuan.

2. Platinum card: personal annual income is not less than 300,000 yuan, or personal financial assets in CCB are not less than 500,000 yuan, or personal net assets are not less than 3 million yuan, or the effective consumption of Longka himself in the last year is not less than 6,543,800 yuan.

3. CCB doesn't have a black card yet. At present, only ICBC and China Merchants Bank are qualified to issue American Express black gold cards. The full name of ICBC's black card is "ICBC Express Centurion Black Card" and China Merchants Bank's black card is "China Merchants Bank Express Centurion Black Card".

Extended data

DiamondCard is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. UnionPay cards are subdivided into ordinary cards, gold cards, platinum cards and diamond cards according to card level and service authority.

PlatinumCard is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks.

UnionPay card is a bank card jointly launched by China UnionPay and commercial banks. ++starts with 62, and the card has UnionPay logo. UnionPay cards only have the UnionPay logo on the card surface, and there are no other card brand logos, which are usually also called single logo UnionPay cards.

Credit card business

China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.

The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card Campus Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (++) Tennis Card.

References:

Diamond Card Baidu Encyclopedia Platinum Card Baidu Encyclopedia

What are the requirements for handling CCB diamond cards? These three points are very important.

Diamond card is a high-end credit card of CCB, with a considerable amount, which can provide cardholders with various value-added service rights and interests, and it is also a symbol of identity and a credit card that many people dream of. However, the application threshold of CCB diamond card is very high. In addition to meeting the basic conditions, there are also certain requirements for the cardholder's financial situation. Let's have a look.

What are the requirements for handling CCB diamond cards?

1, basic conditions

Whether you run any credit card of CCB, it is most important to meet the basic preconditions:

As long as the cardholder is over 18 and under 70 years old, a natural person with full capacity for civil conduct, a stable occupation and income, a good credit status and a certain repayment ability, he can apply for a credit card from a hypothetical bank.

2. Requirements for assets and financial resources

Because this kind of credit card is aimed at high-end consumers, there will be certain requirements for the applicant's assets and financial resources, and any of the following can be used.

1 Personal annual income is not less than 1 ten thousand yuan;

2. Personal financial assets in CCB are not less than 3 million yuan;

The net assets of three persons shall not be less than 6,543,800 yuan;

4. The annual effective consumption of Longka is not less than 300,000 yuan.

3. Invited by the bank

Because it is a high-end credit card product of CCB, the diamond card will only be handled by invitation, requiring the applicant to be a VIP customer of CCB, and it is said that it is easier to receive invitations. If you have a special account manager in CCB, you can contact the account manager directly for consultation.

The above is the relevant introduction of "Conditions for Handling Diamond Cards of CCB", and I hope it will help you. In a word, the application threshold of CCB Diamond Card is very high, and the requirements for the applicant's assets and financial resources are also quite strict. Only customers invited by the bank can handle it.

This is the end of the introduction of CCB Diamond Credit Card. I wonder if you have found the information you need from them?