How to judge the grades of credit cards, such as Puka, Gold, Titanium, Platinum, Unlimited and World?

Take ICBC as an example. ICBC's credit card is the most widely distributed credit card in China, which is divided into platinum card, gold card and ordinary card according to credit rating. You can judge the credit rating of a credit card from the following aspects:

1, the general credit card limit is 0-20 thousand yuan, the gold card limit is1-50 thousand yuan, and the platinum card limit is more than 50 thousand yuan.

2. Annual fee standard: the annual fee for domestic ordinary cards is 50 yuan, gold card 100 yuan; Ordinary card fee of international dual-currency card 100 yuan, Gold Card 200 yuan; Business ordinary card 200 yuan, Golden Card 400 yuan; Platinum card 2000 yuan; The annual fee of all supplementary cards is half of the annual fee of the main card.

3. Free annual fee policy: ICBC's annual fee collection standard is to use it first and then collect it, that is, it will not be collected until it has opened an account for one year. In this year, as long as you swipe 5,500 yuan (3 student cards or 3,000 yuan, 650,438+060,000 points of platinum cards or 200,000 yuan), you can get rid of the annual fee for the current year. At the same time, ICBC does not charge an annual fee for opening credit cards.

4. ICBC's policy of permanent annual fee exemption for credit cards: Platinum cardholders can get permanent annual fee exemption for the main and secondary cards if they spend a total of RMB 4 million. For personal gold card and ordinary card holders, who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years), they can be given a permanent annual fee-free discount for the main and secondary cards in an account.

5. Cash advance fee: local banks do not charge fees; RMB withdrawn from different places is charged at 1% of the amount, with the lowest 1 yuan and the highest 100 yuan; Foreign currency is charged at 2.9% of the amount, with a minimum of HK$ 3, US$ 3 or Euro (including domestic and overseas). Platinum cards are free for domestic transactions.

6. Loss reporting fee: 20 yuan/letter for each card in 20 yuan; Platinum cards are free. Ask for 5 yuan/month/statement two months ago; Platinum cards are free.

Extended data

Credit card classification:

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

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.

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. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. 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.

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

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

Gold card. 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.

Baidu encyclopedia-credit card