Credit cards are ranked from lowest to highest, and can be roughly divided into: Basic, Gold, Platinum and Infinite. Different levels of credit cards also have great differences in the rights and interests they enjoy, such as overseas emergency assistance, airport lounges, high-value travel insurance, free roadside assistance, and exclusive customer service hotlines.
1. General card: The amount of general card is generally between 3,000 yuan and 12,000 yuan, and there are also student cards with a limit of 1,000 yuan to 2,000 yuan. The privileges that ordinary card users can enjoy are generally only discounts on consumption at designated merchants, doubling birthday points, etc. The advantage of Puka is that the annual fee is relatively low, and the annual fee can be reduced if certain conditions are met. As long as you are at least 18 years old, have a stable job and income, and have a good personal credit history, you can apply for a general card.
2. Gold card: The amount of gold card is generally between 8,000 and 100,000 yuan. Gold card holders can enjoy services that cannot be enjoyed by ordinary cards, such as card replacement, fast loss reporting, transfer and remittance, and free handling fees for deposits and withdrawals in different places, as well as aviation accident insurance with a limit of up to 4 million. The annual fee for a gold card ranges from 200 yuan to 800 yuan. The application conditions for the gold card are stricter than those for the general card, and in addition to the good credit record, there are certain requirements for the stability of the job and the level of income.
3. Platinum card and diamond card: Platinum card and diamond card are roughly the same. In addition to good credit and high-income jobs, applying for platinum and diamond cards also requires hundreds of thousands of fixed assets, as well as real estate, car property, and daily consumption documents. The amount of platinum cards is generally between 100,000 and 1 million. Platinum card is the highest level of card that can be accessed by the general public, and it is also the main card type recommended by banks. The Platinum Card can not only enjoy all the benefits of the Gold Card, but also enjoy VIP level benefits such as cash rebates, airport lounge services, five-star hotel qualifications, free medical examinations, and chauffeur services. The advantage of the Diamond Card is that you can get a free Gold membership of a high-end brand or luxury store.
4. Black card: Black card is a credit card owned by a very small number of people, a symbol of connections, power, wealth, reputation and prestige, and it is the royal family in the credit card. Black cards cannot be obtained through application and are generally specially invited by the bank. The credit limit is generally between 1 million and 10 million, and some banks have no limit on the amount of black cards. The black card is the most high-end card that the bank is proud of, and with a black card, you can enjoy the highest end and best quality service no matter where you go.
There are several main ways to upgrade to Platinum:
1. Curve upgrade: If you already have the bank's ordinary card and use the card well, you can apply for the bank's small platinum card, such as the Agricultural Bank of China's Youran White, Bank of Communications Youyi White, etc. After applying, it is naturally not far from the big platinum card.
2. Card transfer upgrade: Some bank credit card centers provide card transfer upgrade services, that is, keep the account unchanged and issue a higher-level card. Generally, you can upgrade the card by calling customer service**. As long as the card is not very bad, you can apply for a card upgrade, and the general card can be upgraded to a gold card, and if you want to upgrade to a platinum card, you can apply again after a period of time.
3. Apply for a card by card: If you already have a general card of this bank, you can also upgrade your credit card by applying for other levels of credit card by applying for a card. Generally, it will be easier to apply for a gold card with a general card, but it will be difficult to apply for a platinum card, and some banks also require a certain proof of assets, which depends on the bank's requirements.
It's important to note that you can't skip the level to upgrade your credit card. Usually, you'll need to upgrade from Puka to Gold and then from Gold to Platinum. In addition, if you already have a general card from this bank and use it well, you may have a higher success rate when applying for a platinum card.