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How does ICBC Cosmos Constellation Credit Card distinguish between Puka Gold Card and Platinum Card?

How does ICBC Cosmos credit card distinguish between Puka Gold Card, Platinum Card and Platinum Card? The gold card has gold in the lower right corner, and the platinum card is PL. It's all the same without looking carefully.

Benefits of ICBC Platinum Card ICBC Platinum Card Amount How about ICBC Credit Card Platinum Card? At present, it seems that the minimum amount of ICBC Platinum Card is 50,000, and the maximum is 1 10,000. The annual fee of the main card is 2000 yuan, and the annual fee of the auxiliary card is 1 000 yuan. If you spend more than 200,000 yuan a year, you can waive the annual fee for that year. There is no handling fee for this card to withdraw cash nationwide, as well as 4 million aviation accident insurance, VIP services at many airports across the country and so on.

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Double hardness

The difference between platinum card and gold card of credit card The difference between platinum card and ordinary card of credit card is mainly divided into two aspects from the different card types:

The treatment is different: (the same bank) advanced platinum cards are definitely more than gold cards, such as VIP access at the airport, free tooth mopping several times a year, free tooth cleaning several times a year and so on. Gold cards definitely have less rights than platinum cards.

The difference of annual fee: the wool is on the sheep. Because the benefits of platinum card are more than gold card, the annual fee of platinum card (from the same bank) is definitely more expensive than that of gold card, and the exemption conditions are stricter than that of gold card. For example, the annual fee for a platinum card may be 3600 yuan, which cannot be reduced. The annual fee of the gold card is 65,438+0, 800 yuan, which can be deducted if you spend enough RMB 200,000 (or equivalent foreign currency) or 200,000 points within one year.

In addition, if you apply for the same cardholder's platinum card and gold card in the same bank, under normal circumstances, the amount of platinum card will be higher than that of gold card, but it is not absolute.

What is the credit card limit of ICBC Cosmos Constellation? 30,000-50,000 yuan.

The credit card limit is determined according to the applicant's financial situation and credit situation, and there are many reference factors, such as the nature of the customer's work, education, income, personal stability, personal social credit and the use of other financial products. If you are not satisfied with your credit card limit, you can apply for adjustment.

(1) Temporary quota increase

If there is a large consumer demand in a short time, you can call the credit card customer service hotline and ask for a temporary increase in the quota. If the bank meets the requirements of temporary adjustment, the temporary limit adjustment can be realized within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.

(2) Long-term quota increase

When you need to increase the credit limit for a long time, you can call the credit card customer service hotline, and the bank will handle the demand for permanent adjustment in time according to the cardholder's credit card status and credit status:

1, frequently use credit cards to win by swiping the cards. In daily life, credit cards are used wherever you can swipe your card. Regular use will definitely help cardholders to increase their credit limit as soon as possible.

2. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to raise the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, and will also affect the progress of credit card promotion to some extent. Within the scope of our power, we will increase the opportunities for large-scale credit card spending to promote the credit card limit as soon as possible.

Can credit cards be upgraded to gold and platinum cards? You have to reapply, but the maximum amount of Puka and Gold Card is generally 50,000-60,000, which makes no difference. Platinum is very different, and it is not easy to upgrade unless it is a quality customer.

Is China Merchants Bank Youth Card divided into Puka Gold Card and Platinum Card? China Merchants Bank Youth Card only has UnionPay Gold Card, not Platinum Card. The color of the card is black and white.

China Merchants Bank Youth Card:

1, double points for birthday month, and play with young life;

2. The withdrawal amount is as high as 100% of the credit line, and the first withdrawal every month is free, making the turnover easier;

3. China Merchants Bank's Young card is an exclusive credit card for young people and is only available to customers under the age of 30;

What is the difference between these credit cards (China Merchants Bank)? The application requirements for gold cards are higher than those for ordinary cards (including job stability, income and other financial conditions, etc.). ). In terms of credit limit, under normal circumstances, the credit limit of a gold card is also higher than that of a general card (the maximum credit limit of a gold card is 50,000 yuan; The maximum amount of Puka is ￥ 6,543.8+0,000 yuan). Except the annual fee (300 yuan per card per year for gold card and RMB 100 per card per year for Puka), the use method is the same. In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.

Adhering to the five-star service concept of "think first, change with you", China Merchants Bank strives to build a platinum credit card with excellent quality and provide you with the best credit card service experience in China by virtue of its successful experience in serving high-end customers for many years. At present, we have Diamond Card, American Express Centurion Platinum Card and VISA Card.

Platinum card, UnionPay platinum card, platinum installment card. For more exclusive benefits, please contact Platinum Secretary Hotline at 400-888-5555.

How to open ICBC Cosmos Constellation Credit Card? Credit cards applied through online banking channels must be activated at the counter for the first time. In order to prevent personal information from being stolen, I have to take my card and the original ID card to the counter of ICBC for activation.

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China.

China Industrial and Commercial Bank has the largest customer base in China, one of the largest commercial banks in China and one of the top 500 enterprises in the world. Its basic task is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.