1. You have a credit card, which is usually marked on the bank card.
2. You get a savings card, which is usually written on the bank card.
I suggest you take good care of your bank card.
Credit cards are classified from low to high, such as general cards, gold cards, platinum cards, diamond cards, even titanium cards and black cards. The higher the general level, the greater the amount, and the more services and rights you enjoy.
Puka:
Puka is the lowest credit card issued by the card issuer, and you can apply with your identity certificate and work certificate. People who apply for a credit card for the first time or who are not financially strong can try to apply for a universal card first. There is basically no annual fee for this kind of card, or they can avoid the annual fee if they swipe it enough times, and the amount is generally below 1 10,000 yuan.
gold card
To apply for a gold card, in addition to meeting the basic requirements for applying for a credit card, you also need to provide certain proof of assets. The examination and approval of the gold card is relatively stricter than that of the ordinary card, and the benefits and benefits enjoyed by the gold card will be better than that of the ordinary card, and the amount is generally 10000~50000. At the same time, the annual fee is higher than that of Puka, but there is also a chance to waive the annual fee!
Platinum card:
Platinum card is a kind of credit card mainly serving high-end users. Strict examination and approval, requiring individuals to earn at least 20w+ a year. Sometimes you need to deposit enough assets in the issuing bank to handle it.
The special services of the card focus on golf, airport VIP, free physical examination, mileage exchange and emergency support services. Because of the high-end service, the annual fee ranges from several thousand to several hundred. In addition, the bank also issued a lot of small platinum, also known as "pseudo platinum". For example, I Platinum of CITIC, Shang Zhen Platinum of Guangfa, etc. Platinum cards are basically free of annual fees in the first year, and they need to be swiped or exchanged in the second year. Please consult the customer service for details.
Diamond card:
Diamond card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. It is higher than the platinum card, and it requires higher identity of the cardholder. Most of them can be handled by successful people. Therefore, the amount of the diamond card is higher, which can better show the noble status of the cardholder. The cardholder is required to earn more than one million yuan, and the amount is also one million yuan.
Black card:
Black cards are unlimited cards, and there is no so-called "credit line". Because almost all unlimited cards issued by banking institutions are black, they are generally called' black cards' or' black gold cards'. Some people say that only with this kind of black card can the "distinguished identity" of the card owner be fully displayed. Someone once asked the person in charge of Citibank, if the black card owner wants to buy a plane with a credit card, can he? The answer is: no problem!
Not everyone can have this card, and the application is not accepted. Only at the initiative of the bank will the card be issued. At present, only two banks in China have black cards, China Merchants Bank and ICBC. It is reported that the black card owners of Express are very few 1% top customers. The high annual fee (about 6,543,800 yuan) has become an unimportant factor.
Titanium card:
The grade of titanium card is actually decided by the bank itself. Like the titanium card of China Everbright Bank, the level is between the gold card and the platinum card. Some banks will be called small platinum, and some banks will be called titanium cards. In fact, it's all the same, just different names!
Titanium card can be a dual-currency card or a UnionPay card, depending on how the bank wants to define it. As for the amount of titanium card, naturally the bank has the final say.