Highest credit card rating

The grade of credit card is divided according to the rating of credit record, the amount of assets and wealth, reputation, fame, contacts and so on. According to the above standards, it can be divided into five categories: Puka, Gold Card, Platinum Card, Diamond Card and Black Card (not limited to cards).

First of all, Puka

Generally, the amount of a general card ranges from 3000 yuan to 65438+2000 yuan, and there are also student cards ranging from 1000 yuan to 2000 yuan. Generally, the privileges that Puka users can enjoy are only discounts for designated merchants, doubling birthday points and so on. The advantage of Puka is that the annual fee is relatively low, and it can be reduced or exempted if certain conditions are met. Puka's application conditions are relatively relaxed. As long as you 18 years old, have a stable job and income, and have a good personal credit record, you can apply for a general card.

Second, the gold card

The amount of a gold card is generally between 8000-65438+ 10,000 yuan. With a gold card, you can enjoy services such as card replacement, quick loss reporting, transfer and remittance, free handling fees for deposits and withdrawals in different places, and aviation accident insurance with a quota of up to 4 million. The annual fee for gold cards ranges from 200 yuan to 800 yuan. The application conditions for gold cards are stricter than those for ordinary cards. In addition to a good credit record, there are certain requirements for job stability and income.

Three. Platinum card and diamond card

Platinum cards and diamond cards are roughly the same. Applying for platinum card and diamond card requires hundreds of thousands of fixed assets in addition to good credit information and high-paying jobs. In addition, real estate, automobile output and daily consumption documents are also reference conditions. The amount of a platinum card is generally between 6.5438+million and 6.5438+million. Platinum card is the highest level card that the general public can access, and it is also the main card type promoted by banks. Platinum card can not only enjoy all the benefits of gold card, but also enjoy VIP-level benefits such as cash back, airport VIP room service, five-star hotel occupancy qualification, free medical examination and driving service. The advantage of the diamond card is that you can get a gold card member of a high-end brand or luxury store for free.

Fourth, black cards.

Black cards are credit cards owned by very few people. It is a symbol of contacts, power, wealth, reputation and prestige, and it is the royal family in credit cards. Black cards cannot be obtained through application, and are usually specially invited by banks. The credit line is generally between 1 10,000-1 10,000, and some banks have no credit line for black cards. Black card is the highest-end card that banks are proud of. With a black card, you can enjoy the highest-end and best service wherever you go.

I see, the unreachable platinum card, diamond card and black card!

The big secret of credit card rating

All of us who use credit cards know that everyone's credit cards are slightly different, and credit cards are graded. So, how are credit card grades divided? This article will bring you the big secret of credit card grading.

There are four main grades of credit cards:

1, Universal Card: This is the most common credit card, and of course the amount is also the least, generally only 2000.

2. Gold card: A gold card is a credit card with a high amount, with a general amount of 65,438+0,000 yuan.

3. Platinum card: Platinum card is a relatively high-end credit card, and the amount is generally 200,000.

4. Black card: A black card is the kind of credit card that can be swiped at will!

The above is the whole content of credit card grading, I hope it will help you!

Credit card ranking

The grades of credit cards are arranged from low to high, which can be roughly divided into: Puka, Gold Card, Platinum Card and Unlimited Card. Among them, Puka and Gold Card are more common, and the amount of ordinary credit card is 3000- 10000 RMB; The gold card amount is about 10000-50000 RMB.

Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status.

The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Extended data:

Types of credit card products

First, it can be divided into bank cards and non-bank cards according to the different card issuers.

1, bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

2. Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly.

Second, according to the different card issuers, it can be divided into corporate cards and personal cards.

1, the company card is issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal person organizations.

2. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Third, according to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Fourth, according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

1, credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. Most of these cards are used for international circulation.

2, quasi-credit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

Fifth, according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

How many grades do credit cards have?

Credit cards are divided into Puka-Gold Card-Platinum Card-Diamond Card. Puka, the amount is generally below 1w; Gold card, the amount is generally1w ~ 5w; Platinum card, personal annual income must be at least 20w to handle; Diamond card requires the cardholder to earn more than one million yuan, and the amount is also one million yuan.

1, Puka: Under normal circumstances, everyone can apply for a Puka, and the annual fee can be waived by swiping the card several times.

The amount is also increased bit by bit according to your consumption repayment.

Most routines give you a quota first. If the line is kept in good condition after use, it won't take long to convert it into a fixed line. 2. Gold card: it is not a platinum card with a quota of 1W~5W, nor a gold card or a gold card (you should spray it when you see an article).

The threshold for gold card approval has been raised. In addition to the higher quota than ordinary cards, you can also enjoy a variety of value-added services, and the annual fee is relatively high.

3. Platinum Card: Value-added services such as airport VIP and free rescue can instantly improve your quality. Platinum cards are more strictly audited and require proof of assets or deposits, which is easy for people with good credit with an annual income of 20W. 4. diamond card: a symbol of the broad status of successful people, of course, higher than platinum card.

The general quota is 1 million, and you need your qualifications to prove that you are worthwhile.

Black cards are called infinite cards, and heaven and earth can do anything. Many cardholders know that credit cards have different grades, such as Puka, Gold Card, Platinum Card or Diamond Card. Card issuers will issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. Ordinary cards are generally the lowest grade, and the credit limit of high-grade credit cards is higher than that of low-grade credit cards.

Ordinary card; Ordinary card is the lowest level credit card issued by card issuers, with the lowest credit limit. The credit limit of domestic ordinary cards is generally only 5000 RMB.

Gold card; Gold card is a credit card with a higher credit limit than ordinary card. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards, and the approval of gold cards is stricter than that of ordinary cards. Applicants need to provide proof of income and a good credit record.

The credit limit of gold cards in China is generally between 654.38+00000-50000 RMB.

Platinum card or diamond card; Platinum card, also known as diamond card, is a credit card issued by card issuers to distinguish it from gold card customers, providing higher-end services and rights than gold card. Generally, membership system is adopted, with highly respected customer service hotline service and value-added services. Usually, it has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas) and 24-hour global exclusive VIP line telephone service.

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.

What is the maximum credit limit of China Bank's credit card?

Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card. Finally, please refer to the actual approval results. General credit card limits range from 0 to 2 million yuan.

The above contents are for your reference. Please refer to the actual business regulations.

On the Four Grades of Credit Card

Credit cards may have different levels according to the level of rights they enjoy. So far, there are four types of credit cards: Puka, Gold Card, Platinum Card and World Card, among which another term for Platinum Card is called Diamond Card.

The first credit card grade is CommonCard, which is the lowest grade credit card issued by bank card issuers and has the lowest credit limit. The average bank's credit line for Puka is up to 5,000 yuan, and there are still 3,000 yuan.

The second type of credit card is the gold card, which is stricter than the ordinary card and requires the applicant to provide proof of income and a good credit record; Gold card has a slightly higher credit limit than ordinary cards, and it is a credit card with a higher credit limit than ordinary cards. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards. The credit limit of a gold card is generally between 654.38+00000-50000 RMB.

The third credit card level is PlatinumCard, also called Diamond Card. It is a credit card issued by the card issuer to distinguish it from the gold card customers, providing higher-end services and rights than the gold card. Generally, membership system is adopted, with highly respected customer service hotline service and value-added services. Platinum card is the highest level credit card issued by domestic banks. Banks are very strict in the examination and approval of platinum cards, and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. With a platinum card, you can usually get high-quality services such as global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas), and 24-hour global exclusive VIP line telephone service. The credit limit of Platinum Credit Card is generally 10 to100000 RMB.

The top-end credit card is InfiniteCard or Infinite Card: the top-end credit card does not accept applications and can only be processed at the invitation of the issuing bank. Unlimited card is the top brand of Visa card organization, and only China Merchants Bank has issued this kind of card in China. The credit card of the same grade issued by MasterCard is called World Card, but there is no bank in China. We expect Bank of Communications, MasterCard's largest partner in China, to issue this grade card in the future.

Generally speaking, the domestic credit system is not perfect and the credit card market is chaotic. There is not much difference in the amount between a universal card and a gold card. Fifty thousand universal cards and several thousand gold cards. Coupled with the emergence of platinum cards with a limit of less than 10 thousand yuan, we may only distinguish them from the aspects of lost card protection, additional services, insurance amount and so on.

So much for the introduction of the highest level of credit cards.