In addition to the basic conditions can meet the requirements of the bank, if you want to successfully apply for a gold card, the bank will have certain requirements for the applicant's qualifications, have a good credit record, and earn at least one level stipulated by the bank every month. This is the first condition of the bank, because it is related to whether you can repay the loan normally.
With a monthly salary of 3/4,000, it is difficult to apply for a gold card unless you have fixed assets.
Compared with ordinary cards, the amount of gold cards is a little higher, which can reach 10000-50000. Most office workers hold this level of credit cards. The annual fee is generally around 300 yuan, and it is free in the first year. Gold cards can be consumed by some preferential merchants in the bank, and they can enjoy many discounts, points exchange and other activities.
Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.
China's relevant laws ("NPC Standing Committee on
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
There is no need to pay cash for credit card consumption, and it will be repaid on the billing day. [4]?
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
In addition to gold cards, credit cards also include ordinary cards and platinum cards. Each card has a different color and enjoys different treatment.
Puka: Puka is the lowest credit card in the bank. Some banks have silver cards, but they will also be classified as ordinary cards, which is what we call Puka. Generally speaking, applicants can apply for a general card as long as 18 years old or above, have a fixed occupation and a stable income, and have no credit history.
The credit card limit is the lowest in the credit card field. The general credit card limit is in the range of 1000- 10000 yuan, which needs to be evaluated according to the completeness of the application materials provided by you. Ordinary credit cards do not need an annual fee in the first year, otherwise the bank will set a credit card threshold for cardholders. After swiping the card every year, users can avoid the annual fee.
For example, the Y-POWER card of Bank of Communications: annual fee 140 yuan, and the annual fee of the following year is exempted if you swipe your card for 6 times. Puka is basically not discounted.
Platinum card: It's even harder to get a platinum card. Generally, applying for a platinum card requires at least an annual salary of 654.38+million or a financial certificate of 500,000, including but not limited to real estate, automobile production, marketable bonds, precious metals, etc. In addition, the bank will also take the initiative to invite qualified customers to apply for cards.
The amount of a platinum card can reach 500,000-500,000, and some banks can reach 1 or 2 million. The amount will generally be given according to the social status and financial resources of the cardholder.
Compared with the first two kinds of cards, the annual fee of Platinum Credit Card is still quite high, and the threshold of free annual fee for credit cards has also become higher.
For example: CITIC Platinum Credit Card: annual fee of 480 yuan, and annual fee will be reduced or exempted by swiping the card 12 times in the following year. Platinum cards, like gold cards, can also enjoy many discounts, points redemption and other activities when they are consumed by some preferential merchants in banks. Platinum card also has exclusive customer services such as free airport shuttle service, VIP room service, free golf, preferential interest rate for personal loans, flight delay insurance, and bank queuing-free.
credit card