What is the difference between Platinum Card and Gold Card of Shanghai Pudong Development Bank Credit Card?

1. Differences in application conditions

Generally speaking, banks will approve gold cards for high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card.

Platinum Card is a credit card launched by the card issuer to distinguish it from Gold Card customers, and provides higher-end services and benefits than Gold Card. Usually, banks will actively invite qualified customers to apply for Platinum Card. Platinum Card Card customers can enjoy platinum customer service hotline services and distinguished value-added services. Generally, the application criteria for platinum credit cards of banks are an annual salary of more than 100,000 yuan or proof of financial resources of more than 500,000 yuan.

2. The difference in credit limit

The credit card limit refers to the maximum amount of overdraft that can be approved by the bank based on the asset status and credit status of the cardholder. The higher the limit, the more money you can overdraw, and of course, the greater the repayment pressure.

The limit of a gold credit card is generally between 10,000 yuan and 50,000 yuan; that of a platinum card is around 100,000, or even as high as 500,000.

3. The difference in annual fees

The annual fee of the credit card gold card will be lower than that of the platinum card, and the annual fee-free discount standard gold card will be lower than the platinum card. Moreover, there are many platinum cards launched by banks that do not offer discounts on annual fees.

4. Differences in credit card rights

Because the card levels are different, the credit card rights enjoyed are also different. I have told you this many times on the Jinling Financial Blog. If you don’t know how to go to Baidu, I won’t go into details here. Generally, platinum credit cards can enjoy higher discounts at preferential merchants and redeem points for gifts, while gold cards can enjoy higher discounts at preferential merchants and redeem points for gifts. The preferential discounts that the card can enjoy are slightly lower, and the Platinum Card can enjoy many value-added services provided by the bank. For example: airport VIP lounges, free golf, skipping the queue at the bank, etc.

5. The difference between lost card protection

Lost card protection means that after a credit card is lost or stolen, the bank will freeze the credit card account to prevent theft and compensate for the loss after theft. . Different credit card levels naturally have different levels of card loss protection. Currently, ICBC, Everbright, Shanghai Pudong Development Bank and other credit cards do not have lost card protection services, while the lost card protection services of Bank of China, Agricultural Bank of China and other banks are only open to platinum card customers.

In general, the biggest difference between Gold Card and Platinum Card is the limit and the benefits enjoyed. When applying for a credit card, you must consider your own financial strength and consumption needs, and choose a card that suits you, rather than blindly pursuing the level of the card. Data expansion

Methods to increase credit card limit:

1. Win more often

Use your credit card frequently, no matter how big or small, as long as you can swipe your card, you will definitely swipe it wherever you can.

2. Win by amount

It is best to have at least 30% of the total monthly bill consumption.

3. Temporary quota increase

Due to short-term needs to increase the quota due to holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. Persistence

Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.

5. Dormant Suspension

If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

6. Seize the opportunity

The time to raise the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.

7. Continuous consumption

The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.