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China Merchants Bank Dual-currency Platinum Credit Card
What's the difference between China Merchants Bank credit card gold card and ordinary card?

It is easier for China Merchants Bank to apply for a credit card, but the first card is generally an ordinary card, and the amount is relatively low, so it is more difficult to apply for a gold card. However, it is still possible to upgrade to a gold card as long as you insist on staying in the card. Today, let's introduce the difference between China Merchants Bank's Gold Card and Puka Card.

One of the differences: different colors.

Each credit card has a different pattern, but this difference is more obvious in Puka. In order to highlight the difference, most banks' gold cards will use gold as the main color element of the card, and China Merchants Bank is no exception.

The second difference: the annual fee is different.

The annual fee charged by the gold card is higher than that charged by the ordinary card. Take the standard dual-currency card of China Merchants Bank as an example. The annual fee for the gold card is 300 yuan, and the annual fee for the general card is only 150 yuan.

The third difference: the credit line is different.

The credit line of China Merchants Bank's ordinary credit card is 3000- 1 10,000 yuan, while the credit line of gold card is generally between 1 10,000-50,000 yuan.

The fourth difference: different card offers.

Gold cards can enjoy more preferential rights than ordinary cards. For example, after the Ctrip co-branded card is successfully opened, the gold card will give 1800 Ctrip points, the ordinary card will give 800 points, the aviation accident insurance gold card will pay 2 million yuan, and the ordinary card will pay 500,000 yuan. Air China Companion Co-branded Card Aviation Inconvenience Insurance Premium 1 1,000 Yuan, Puka 300 yuan.

The fifth difference: the degree of card loss protection is different.

In addition, the application conditions of China Merchants Bank credit card gold card are much higher than that of Puka. If it is the first card, it is recommended to apply for a general card.

What is the withdrawal amount of China Merchants Bank's credit card gold card?

China Merchants Bank credit card gold card 80,000-50,000. The bank conducts comprehensive examination and approval according to the application materials submitted by the applicant, and gives a credit line. If you withdraw cash, you can withdraw up to 50% of the credit card limit.

However, the withdrawal does not enjoy the interest-free period, and the interest should be calculated from the same day, according to five ten thousandths of the interest, and a certain handling fee is required. It is not cost-effective to withdraw cash. It's better to swipe your card. You can also enjoy an interest-free period, and there is no handling fee for points. If there are no special circumstances, it is recommended to swipe your card.

On June 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people. After more than ten years' struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China and the leading diversified marketing platform in China" and won many honors.

Adhering to China Merchants Bank's business philosophy of "changing with you", China Merchants Bank's credit card has continuously refreshed the cardholder experience with product innovation and service upgrade, and has become a leading brand in the credit card industry.

In recent years, China Merchants Bank's credit cards actively seek digital transformation, forge ahead, take the lead in building financial internet, and create a scientific and technological legend in the domestic credit card industry.

Application conditions

China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan, who have reached the age of 18, have full capacity for civil conduct and good credit standing, can apply for a personal credit card master card from the card issuing institution with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

All financial institutions, enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons that open basic deposit account in China. , you can apply for a business card from the card issuer with the basic deposit account account opening permit issued by the People's Bank of China (if you need an international business card, you need to provide a foreign exchange settlement account). The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.

According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, determines the method and type of obtaining the card, and verifies the credit line to the applicant. Failed application materials will not be returned.

The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card transaction, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.

What are the benefits of China Merchants Bank credit card gold card?

Gold card is a high-end credit card. The advantages of China Merchants Bank Credit Card Gold Card over Puka are as follows:

1. In terms of credit limit, the credit limit of gold card is higher than that of ordinary card (the maximum credit limit of gold card is RMB 50,000; The maximum amount of Puka is ¥ 6,543.8+0,000 yuan).

2. Gold card holders can enjoy more credit card discounts. Thousands of merchants with China Merchants Bank's characteristic credit cards can be found in the preferential merchants section in official website, and many merchants have given gold card holders higher discounts.

3. China Merchants Bank credit card gold card enjoys more convenience, such as gold card holders enjoying overseas emergency card replacement services free of charge.

The gold card symbolizes that you are the exclusive gold card customer of China Merchants Bank, and the gold card is the core card, which is more secure than the magnetic stripe card. If you want to buy wealth management products or consult wealth management knowledge, all branches of China Merchants Bank have set up special wealth management service areas, which can allow gold card customers to enjoy exclusive wealth management space.

The difference between China Merchants Bank VISA credit card, gold card and ordinary card.

The application requirements for gold cards are higher than those for ordinary cards (including job stability, income and other financial conditions, etc.). ).

In terms of credit limit, under normal circumstances, the credit limit of a gold card is also higher than that of a general card (the maximum credit limit of a gold card is 50,000 yuan; The maximum amount of Puka is ¥ 6,543.8+0,000 yuan). Except the annual fee (300 yuan per card per year for gold card and RMB 100 per card per year for Puka), the use method is the same.

In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.

China Merchants Bank's dual-currency credit card limit is generally:

1, Puka: The quota is generally 1, 000- 1, and it can reach 50,000 where there is no gold card;

2. Gold card: The general limit is 1 10,000-50,000. City cards only have gold cards, with a quota of 50,000-50,000;

3. Platinum card: The amount is generally 50,000-200,000 yuan, and it is generally around 6,543,800 yuan.

In fact, the credit limit is based on the information and credit status provided by the applicant at the time of application, rather than being given casually by the bank.

Jintou net

What are the dual-currency credit cards for China Merchants?

What are the dual-currency credit cards for China Merchants? Dual-currency credit card is a kind of credit card. There must be a UnionPay logo and a logo of an international credit card organization on the card surface, which can be VISA, MasterCard, JCB, American Express, etc.

China Merchants Bank has many dual-currency credit card products. Such as China Merchants Bank ONEPIECE Pilot Credit Card, True Love Co-branded Credit Card, carcarcard Auto Credit Card (National Edition), China Merchants Bank MasterCard, Doraemon Credit Card, China Merchants Bank VISA Credit Card, Ctrip Travel Credit Card, China Merchants Bank American Express Card, China Merchants Bank ELLE Co-branded Credit Card, carcarcard Auto Credit Card (Zhongjing Edition), HelloKitty Fan Shuang Currency Credit Card, Air China Companion Credit Card, Ruili Co-branded Credit Card, One Foundation Love Credit Card, China Merchants Bank American Express Card, China Southern Airlines Pearl Credit Card, China Merchants Bank HelloKitty Fan Gold Card, Cherry Maruko Credit Card, Pinghetang Co-branded Credit Card, Crayon Xiaoxin Fan Credit Card, Ginza Co-branded Credit Card, Top 100 Group Co-branded Credit Card, Coastal City Co-branded Credit Card, Vientiane City co-branded credit card (Shenzhen only), VOGUE Titanium credit card, VISAMINI credit card, VISAMINI credit card, Century Jinhua co-branded credit card, Shangdu co-branded credit card and so on.

If you need to apply for a dual-currency credit card, you can choose a credit card with both UnionPay logo and international credit card organization logo during the application process. This is the dual-currency credit card.

The launch of dual-currency credit card, gold card and dual-currency platinum credit card by China Merchants Bank ends here. I wonder if you found the information you need from it?