What are the benefits of the Platinum Card for Postal Savings?

1. In addition to all financial functions, UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking service, account change SMS reminder service and counter priority service.

In addition, some banks also provide value-added services such as traffic accident insurance, airport VIP room service, medical care, golf reservation service and wealth management butler for Platinum Cards.

The credit line is generally large. The bank stipulates that the maximum amount of ordinary cards is 50,000, that of gold cards is 200,000, and that of platinum cards is generally 6,543,800 yuan.

2. More honorable and intimate service. Platinum credit card users issued by commercial banks are very qualified users, and banks will provide more distinguished and caring services for these users;

3. offline consumption is polite. Most platinum cards will cooperate with airports and hotels. And everyone who holds the platinum card of this bank can naturally enjoy these benefits every year;

4. Provide an interest-free period of up to 50 days. If you spend a lot with a platinum card, the interest-free period of up to 50 days can save a lot of interest;

5. Platinum card users are more likely to get low interest and high loans. Management Ability The repayment ability and historical performance repayment ability of platinum card users are generally good. Banks are willing to issue high and low interest loans if they apply for loans.

Extended data:

Basic application requirements for platinum card:

1, the credit rating is up to standard.

At present, there are two main ways to apply for platinum credit card: invitation system and recommendation system. If citizens want to apply for a platinum card, they can contact the bank customer service manager directly to make an appointment. At this time, the account manager will initially evaluate the applicant's credit rating to determine whether the applicant is qualified to apply for a platinum card.

The personal credit rating of banks is mainly divided into "three grades and nine grades", and the main factor affecting the credit rating is the credit score. Through personal credit rating, banks can know the applicant's credit history, credit ability and risk degree. For example, if a citizen wants to apply for a platinum credit card, his personal credit rating must be above AA (including AA).

2. The repayment ability is up to standard.

The annual fee for platinum cards in most banks is about 3,000 yuan, and some special platinum cards even cost more than 10,000 yuan. Moreover, the annual fee of platinum card can only be deducted by consumption and points, so the repayment ability of cardholders is very high.

References:

Baidu Encyclopedia-Platinum Card