Conclusion: CCB Financial Management Gold Card is actually a savings card, not a credit card. It is specially designed for personal VIP customers of China Construction Bank. It has multi-currency and multi-functional features and is positioned in the high-end market. The following are some key features of the Wealth Management Gold Card:

The core attribute of the CCB Wealth Management Gold Card is savings. It is not a credit card, but an exclusive financial product launched by the bank to meet the needs of VIP customers for wealth management. . To apply for a wealth management gold card, applicants must meet the following conditions:

First of all, within one year, the applicant’s financial assets in China Construction Bank, including local and foreign currency savings deposits, funds, treasury bonds, etc., must have an average monthly balance of 20 RMB 10,000 (inclusive) and above. This reflects the high threshold requirements of financial management cards on customers’ financial status.

Secondly, if the applicant has a personal loan, the average monthly balance within one year must be more than 500,000 yuan (inclusive), and the repayment record must be good and there must be no bad credit record. This also reflects the benefits of the wealth management gold card. Pay attention to the credit status of customers.

Finally, the cumulative amount of consumption through the Dragon Card within one year must reach more than 50,000 yuan (inclusive), which shows that the wealth management gold card also encourages customers to make a certain amount of daily consumption to reflect its comprehensive services.

Compared with other savings and credit card VIP cards, such as LeDangJia Gold Card and Platinum Card, the Financial Management Gold Card has a higher entry threshold and is suitable for customers with higher assets and consumption habits. Credit card VIP cards, such as diamond and platinum credit cards, in addition to VIP services, also provide higher overdraft limits. Therefore, when choosing a financial gold card, you should make a decision based on your personal wealth accumulation and consumption habits.