The new version and the card gold card, the card face is gold.
The difference between ordinary card and gold card of China Merchants Bank;
First, the ordinary card amount is 3000 yuan to 10000 yuan; Gold card 10000 yuan to 50000 yuan;
Second, ordinary cards enjoy preferential treatment in special merchants; There is no discount for gold cards;
3. Gold card customers' credit card consumption mode is set to consumption by signature. 48 hours before the loss of the credit card was reported by the customer, the loss of the stolen credit card was paid by China Merchants Bank, with an annual cumulative amount of 6,543,800 yuan+0.5 million yuan; Ordinary cards total 1 0,000 yuan.
In addition, the difference between China Merchants Bank credit card and gold card is also reminded in the annual fee collection standard of credit card.
Ordinary credit card of China Merchants Bank: the main card of the ordinary card 100 yuan, and the auxiliary card of the ordinary card 50 yuan;
Gold card of China Merchants Bank Credit Card: 300 yuan, the main card of the gold card, and 150 yuan, the deputy card of the gold card;
China Merchants Bank Credit Card Platinum Card: 3,600 yuan for the main platinum card and 2,000 yuan for the auxiliary platinum card;
Unlimited card of China Merchants Bank: the main card of wireless card 10000 yuan, and the supplementary card of unlimited card 5000 yuan;
China Merchants Bank Elite Business Card: 300 yuan Business Card is 65,438+000 yuan per card, and the purchase card is 50,000 yuan per card.
China Merchants Bank Platinum Card has no annual fee-free policy. If your application is successful, you must pay an annual fee. Both China Merchants Bank Puka and Gold Card are exempt from the annual fee for the first year and the annual fee for the next year after swiping the card for 6 times. Alipay recharge is included in the number of consumption.
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: \ Ordinary card: The lowest grade of CCB credit card is ordinary card, and this kind of credit card 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. Gold card of CCB's credit card level: 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 income certificates and good credit records. Platinum card: It is a relatively advanced credit card. The cardholder of this credit card can not only get the VIP treatment at the airport, exclusive customer service telephone line service, high traffic insurance and other value-added services, 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. Diamond Card: This is due to the increasingly fierce competition in the financial environment. The highest-level credit card launched by CCB in order to lock in the consumer market at the top of the pyramid usually enjoys more respected services and rights than platinum cards.
How do I know if China Merchants Bank's credit card is a gold card?
Hello, you can try to make a comprehensive judgment through card color and credit limit.
Gold cards are generally golden yellow, but it is not excluded that only one card or a set of cards are issued according to the standard of ordinary cards. Details can be viewed through family photos:
Generally, the limit is above 1 0,000. If the above two methods cannot be judged, it can only be judged by our customer service staff.
If you have other questions, I suggest you consult "Customer Service Online"; Logincmu=0. Thank you for your attention and support!
How do I know what my credit card is?
How to know what a credit card looks like: 1. Call the customer service hotline on the back of the credit card directly for inquiry; 2. Bring your ID card and credit card to the bank counter for inquiry, and there is no charge for inquiry; 3. Inquire through Bank official website, provided that the user has opened online banking. Credit cards are generally divided into Puka, Gold Card, Platinum Card and Diamond Card.
There will be some differences in the credit limit of different credit cards. The credit limit of ordinary cards is below 1 000 yuan, that of gold cards is between 1 000-50,000 yuan, and that of platinum cards is above 50,000 yuan. However, the specific credit line needs to be given according to the financial certificate submitted by the user.
Users must repay on time after using their credit cards every day, and there can be no overdue repayment. When repayment is difficult, users can use installment repayment or minimum repayment amount to effectively reduce the monthly repayment amount, avoid overdue repayment, and do not generate penalty interest.
Late repayment of credit cards will affect personal credit information. If personal credit information deteriorates, subsequent handling of various loans will be affected. In fact, when an individual can't repay the loan on time, users can borrow money from friends around them to avoid overdue, but they should return it to their friends in time.
Excuse me, how can I check my credit card rating?
You can use a bank credit card or check by color. Gold cards are gold, and ordinary cards are blue-green powder. Most banks are like this. But black and silvery white, maybe diamond cards.
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 card is 10000 yuan, the maximum limit of gold card is about 50000 yuan, the maximum limit of platinum gold card is tens of thousands to hundreds of thousands, and the unlimited minimum limit card is 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. Ordinary cards have the lowest credit limit. The credit limit of domestic ordinary cards is generally only 5000 RMB. Goldcard (Goldcard) Generally, banks will not directly handle gold cards for individuals who have no credit history of ordinary cards. The examination and 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 gold cards in China is generally between 654.38+00000-50000 RMB. Platinumcard or diamond card is a credit card issued by card issuers to distinguish it from gold card customers. Generally, the membership system is adopted, with highly respected customer service hotline service and value-added services. Platinum card (diamond card) is the highest level credit card issued by Chinese banks at present. Banks are very strict in approving platinum cards (diamond cards) and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. Its credit line is generally 10 to100000 RMB.
3. Customers can check the star rating or consult the customer service manager through online banking or telephone banking, mobile banking and business outlets. Seven-star customers: the star point value is above 80000 (inclusive); Six-star customers: star point value 10000 (inclusive) ~ 80000; Five-star customers: star point value 2000 ~10000; Four-star customers: star point value 500 (inclusive) ~ 2000; Three-star customers: star point value 50 (inclusive) ~ 500; Quasi-star customers: star point value 0 (excluding) ~ 50.
：
Although they are all credit cards, the types and grades of credit cards are different, and the credit lines given by banks are also different. Some people often complain that their credit card limit is too low online, and envy others that they can have 65,438+10,000 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 limit is not much higher.
Operating environment: Huawei nova7Pro2.0.0. 168.
How to see whether a credit card is an ordinary card or a gold card?
Simply put, appearance. Different colors, the gold card is gold, and the ordinary card is blue, green and pink. Most banks are like this.
You can query in the following ways:
1, call the customer service hotline to check whether it is a gold card.
2. It is determined by the type of card, such as the youth card, which is the gold card.
3. Check online customer service through QQ or WeChat.
Credit card customers will pay a certain fee to withdraw the overpaid funds when repaying the overpaid funds or the funds deposited in the credit card account. This money can increase the limit of available credit cards, or be directly used for consumer repayment.
If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. Overpayment is interest-free.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The role of credit cards:
1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;
2. Be able to participate in various discount activities in cooperation between merchants and banks;
3. The points earned by credit card spending can be exchanged for gifts;
4. Timely repayment after swiping the card will enhance the credibility of personal banks.
The purpose of the credit card:
1. Shopping consumption.
2. Microfinance.
Save money.
4. Shopping saves money.
5. Value-added services of credit cards to obtain cheap insurance and travel.
6. Credit certificate.
Credit card withdrawal methods are:
1. Cash withdrawal at the counter:
Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the cash withdrawal password with their help to withdraw cash.
2. Cash withdrawal by tying the card:
The cardholder can bind the credit card with a peer savings card in the online banking of the credit card, then transfer the credit line to the savings card, and then use the savings card for consumption, which is also called cash withdrawal.
3.ATM withdrawal:
Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.
Credit card repayment methods are:
1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.
2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.
3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.
4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.
5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.
How do I know if a credit card is a gold card? Let's stop here.