As an important payment medium for modern life, credit cards provide a lot of convenience for our daily life. Taking the common UnionPay card as an example, according to the credit status and credit status of the cardholder, you can apply for card, gold, platinum, and diamond cards. What is the difference between these cards? POS Business School introduced it for everyone.
ã€Puka】
Puka is the lowest-level credit card issued by card issuers. When ordinary working-class workers apply for a credit card for the first time, they basically use Puka. The general limit is less than RMB 10,000. Of course, if your wealth is superior, it is not impossible to obtain a higher limit. Previous card issuers will issue Silver Cards, but later removed this level of card, which is collectively classified as a Puka card.
Gold Card
The next level is the Gold Card. The main difference between this card and the regular card is the qualification of the application and the level of the credit line. In terms of eligibility for application, all banks have different requirements, and even the standards of their counterparts in different places are different, which is related to local income and consumption levels. If you have a deposit in the bank, you will also have a supporting role in handling the gold card.
However, for the amount, type, and time of deposits, banks also have corresponding regulations. The amount is between 5-50 million. Formal requirements for current deposits, fixed deposits, funds, insurance, bank financing, and so on are all options that can be referred to. As for the deposit time, some banks require deposits at the time, and some banks need to hold deposits. More than three months to apply. In addition, the bank will also have certain requirements for the applicant's annual income.
The reason why the Gold Card has so many restrictions is naturally that the value attached to it is not the same as that of a card. The credit line is more natural than Pukao Gold. The Gold Card will also have corresponding membership rights, such as overseas emergency rescue and high travel insurance. , free roadside assistance, etc., to provide cardholders with exclusive services.
ã€platinum Card】
The Platinum Card is a credit card issued by a card issuing institution to distinguish it from a Gold Card customer. It also offers higher-end services and benefits than Gold Card. It generally adopts a membership system, a customer service telephone hotline service and value-added services that are highly respected. It usually has global airport lounge privileges, personal annual consumption analysis report, high-traffic insurance, global emergency support service (GCAS), 24-hour global exclusive platinum special telephone service and other service functions.
Of course, the threshold for handling platinum credit cards is also unusual. In addition to the regular information, the applicant must also present the financial proof or work certificate. After passing the review, the applicant can enter the following process. For example, the applicant is a party and government organization, a social organization, senior leaders of financial institutions, and financial managers, or is a large-scale enterprise, senior leaders of economically better companies, and heads of financial departments, and the possibility of approval will be greatly improved. .
As with Gold Card, the access conditions for the Platinum Cards vary from bank to bank. Some banks may have no requirements for work, but they need to provide millions of fixed property certificates; while others have restrictions on average daily deposits. Of course, some banks also recognize that they can use card cards. For example, if you are already a gold card user at a bank, then applying for a platinum card will naturally follow.
ã€Diamond card】
The ultimate BOSS Diamond Card is the highest level credit card that banks have launched in order to lock the consumer market before the top of the pyramid, and usually enjoys more respected services and rights than Platinum Card. Of course, its application conditions are also the most stringent, there is room and car is worth mentioning, the average daily deposit of millions of grades may become invited users.
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