2. Conditions for China Bank to handle the gold card. Bank of China requires that the average daily balance of cardholders' assets be above 500,000 RMB, excluding the market value of insurance and securities assets. Bank of China's credit card consumption last year 12 months, the cumulative consumption amount reached more than 50,000 yuan, and large one-time consumption such as house purchase and car purchase was also excluded, which took effect the next month. The accumulated loan balance in the month of handling personal loans in China Bank is more than 500,000 yuan, and one of the three conditions can be met.
3, the construction bank for the gold card conditions. China Construction Bank needs to apply for a gold card within 1 year, and the balance of wealth management products is greater than or equal to 200,000, or the monthly balance of loans exceeds 500,000. 1 year, the consumption of dragon card is more than 50,000 yuan, as long as one of the above conditions is met. You can also provide proof that the annual income is more than 1 10,000 yuan or the deposit is more than 200,000 yuan, and keep it for more than half a year before you can apply for the gold card of CCB.
4. Conditions for ICBC to handle the gold card. When applying for a gold card, ICBC requires the applicant to earn more than 4,000 RMB per month and have no bad credit record. The accumulated consumption of ICBC credit card holders in the past year reached 1 10,000 RMB, excluding the occasional large-scale consumption such as buying a house and a car, and the number of consumption in the past year reached 6 times. The handling of ICBC's gold card also needs to see that the customer's star rating is at least five and the deposit is at least 200,000.
The difference between gold card and ordinary card in credit card;
1, the application conditions are different: Puka is a low-grade credit card, which can generally be handled with ID card and income certificate. When applying for a gold card, you must not only meet these basic conditions, but also provide personal assets certificates and other materials.
2. Different credit lines: the credit lines of general cards are mostly between 1000- 10000 yuan, and those of gold cards are mostly between 10000-50000 yuan.
3. Different annual fee standards: Generally, the annual fee of gold cards, whether the main card or the supplementary card, is higher than that of ordinary cards.
Second, the difference between gold card and ordinary card in debit card:
1, different rights and interests: debit card gold card users can enjoy free ATM inter-bank transfer, half the counter transfer fee, and enjoy the green channel when handling business at the bank counter. Debit card ordinary card users do not have the above service fee concessions, nor do they have queue-free privileges.
2. Different card requirements: Generally speaking, customers who need to pay wages or deposit RMB 50,000 or more in the bank every day can apply for a debit card gold card. Debit cards generally have no special requirements for handling cards, and most people can handle them.