What about gold and silver cards in the bank?

1. The VIP card of the Bank of China debit card is the VIP card of Wealth Management of China.

One of the following conditions must be met:

1.The total amount of financial assets (including local and foreign currency deposits, various wealth management products, bonds, insurance, paper, one-to-many wealth management accounts, collective asset management plans, customer collective trusts, third-party depository margin balances, and month-end market value of assets in **companies with depository accounts with BOC) reaches more than RMB200,000;

2.The cumulative annual consumption of BOC credit card is more than RMB 50,000 (excluding large-value card purchases such as house purchases, car purchases, decoration and purchases from merchants with zero discount rates);

3.The cumulative balance of various types of personal loans handled by Bank of China reaches more than RMB 500,000, and the loan amount included in the statistics is the normal balance.

2. VIP card of Bank of Communications debit card:

1. BOCOM wealth management card: those who have an average daily financial asset of more than 50,000 yuan (inclusive) in the Bank of Communications or purchase designated products in each quarter.

2. Ward Wealth customers: The average daily financial assets in the Bank of Communications reach 500,000 yuan (inclusive) every quarter.

3. There is also a quick financial management service with an average daily financial assets of more than 10,000 yuan in the Bank of Communications every quarter, but there are too few preferential services.

The gold and silver cards in the bank are handled according to the specific situation of the customer, and there are prescribed standards, such as if you have a deposit amount of more than 200,000 yuan, you can apply for a gold card.

The gold card of the Agricultural Bank of China guarantees an average daily balance of 100,000 yuan, which can be handled for half a month, the platinum card is 1 million, and the diamond card is 5 million. ICBC seems to have a deposit of 200,000, which is basically the same.

To reach the deposit amount, the investment is 500,000, the golden sunflower, and the construction is 50 Ledang.

That's just a membership, depending on how much money you save.

The bank gold card is named because the card surface is generally golden yellow. The conditions for each bank to apply for a gold card are different, and some banks have no deposit requirements for debit card gold cards, but only pay a fee of 10 yuan when applying for a card, so that you can get better financial services. Some have a deposit limit.

The gold card of the general savings card requires you to have more than x million assets in a bank, and the bank staff will recommend you to apply for the gold card, which is their VIP card, which has many preferential conditions. Generally, the gold cards of the four major banks are more than 200,000, platinum cards are more than 500,000, and black gold cards are more than 5 million.

Customers of the bank gold card can enjoy a variety of discounts provided by the bank, such as airport VIP lounges, shopping discounts, golf discounts, free handling fees for inter-bank and cross-regional transfers, no queuing for banking business, and VIP services.

Extended Information: What is the difference between a bank's Regular, VIP and Gold cards?

1) The transfer limit is different, the bank's ordinary card transfer limit is the lowest, some banks have a daily limit of 5,000, and some banks have a daily limit of 20,000Gold cards have the highest transfer limits among the three, while VIP cards have the highest transfer limits.

2) The fees are different, the bank's ordinary card does not charge, and some charge a small annual fee. Gold cards charge slightly more, while VIP cards charge the most.

3) The additional value-added services are different, and the bank's ordinary card has the least additional value-added services, almost none. Gold card add-on value-added services are in the middle of the three, while VIP card add-on value-added services are the most.

4) The service treatment is different, generally more than 8000 will be issued according to the customer's requirements, while the ordinary card does not have this right. The theoretical upper and lower limits of the limit of gold card and ordinary card are the same, and the difference in card definition is different for each bank.

5) The bank's ordinary card does not enjoy the bank's wealth management service, the gold card enjoys the bank's wealth management service, and the VIP card also enjoys the bank's wealth management service.

Taking Ping An Bank as an example, the application conditions for Ping An Bank's gold card are:

1. Aged between 18 and 65;

2. The average daily financial assets of the user in the past month are more than 50,000 yuan.

To apply for a gold card, it mainly depends on your financial ability, if you have more financial resources, you can do it.

To apply for a gold card from Ping An Bank, you need to have financial assets in Ping An Bank and have an average daily financial asset of more than RMB 50,000 in the past month. If you want to apply for a credit card, you also need to have good credit and a stable job income.

The bank's gold card is that after the bank has a certain amount of assets, customers who reach VIP can apply for a gold card.

It is a kind of bank card, which enjoys the conditions of no annual fee and no queue for deposits and withdrawals.

The bank's gold card (platinum card.

Black gold card or private bank card), which belongs to the bank's VIP account, gold card customers can generally enjoy remittance and inter-bank cash withdrawal free of handling fees, no waiting in line, VIP exclusive wealth management and other preferential measures.

Extended Materials. Precautions for using a bank card.

1. When entering the password, pay attention to cover it with your hands, if you find the ATM.

If there is an abnormality in the password shield and the card protection slot, do not use it for the sake of safety, and inform the bank immediately;

2. In order to prevent fake ATMs, customers should try to choose self-service banks with conspicuous signs and use ATMs under the bank's video surveillance;

3. It is best to bring the bank card and ID card.

Store it separately, do not lend the bank card to others, and do not disclose the bank card number and password at will;

4. When swiping the card to consume, do not let the bank card out of sight and pay attention to the cashier.

When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Open the mobile phone SMS service, keep abreast of account changes, and call the bank immediately to report the loss once abnormal transactions are found;

7. Do not put the bank card with mobile phones, TVs, stereos, microwave ovens and other electrical appliances with strong magnetic fields, it is best to put them away. Multiple bank cards and passbooks.

Don't put it together either.

8. Try to separate the cards from each other with pieces of paper to play the role of separation.

9. Special bank card sleeves or anti-magnetic card holders can be used.

No more than 4 cards can be opened with the same bank.

In December 2015, the China Banking Regulatory Commission (CBRC) issued the Notice on Work Matters Concerning the Crackdown on New Illegal Crimes in Telecommunication Networks in the Banking Industry (hereinafter referred to as the "Notice"), which stipulates that from January 1, 2016, the same customer will open a debit card at the same institution.

In principle, no more than 4 (excluding social security cards). At the same time, the "Notice" also stipulates that "in principle, no more than 3 cards shall be opened by the same person in the same commercial bank." **The debit card issued can only be used after the card is activated at the counter with a valid ID card.

The Notice also requires that for customers who already have more than 4 debit cards, banks should take the initiative to contact customers for verification, and if they find that they do not want to handle it, they should suspend the service.

No. 1. Generally, if you want to apply for a bank gold card, financial assets.

To be more than 50,000 yuan. The main purpose of the bank to persuade you to apply for a gold and destroy the card is to attract deposits, and the secondary purpose is to enhance the stickiness between the bank and you, so that you can further market your deposits in the future.

2. Compared with ordinary cards, the gold card does not have many privileges, and the actual role is far less than the symbolic meaning. Bank VIP cards generally include gold cards and platinum cards.

As well as the Diamond card, the Gold card is the lowest grade of them. Generally speaking, depositors can handle it when their financial assets reach 5-200,000 yuan in the bank.

3. The privileges of the gold card mainly include taking the VIP channel (skipping the line) for handling business, free SMS notification fee, free production cost, free loss reporting fee, etc. Compared to the regular card, it does save some fees.

4. However, with customers, you must first deposit tens of thousands, or even hundreds of thousands of bank deposits.

When compared, it seems a little insignificant. In addition, there are not a few gold card customers in every bank, and even if you do business, you can't enjoy the treatment of skipping the queue and handling it immediately.

5. Of course, many banks have launched exclusive wealth management products for VIP customers for VIP customers.

The expected rate of return is higher than that of ordinary wealth management products, but generally speaking, only customers with platinum cards or above can buy them, and gold card customers cannot meet the purchase threshold.

Extended Materials. About the Bank Gold Card.

1) Gold card is a bank card with special benefits, including credit card, gold card, and debit card.

There are two forms of gold card. The debit card gold card is a high-level debit card that mainly enjoys the benefits of business fee reduction, annual fee waiver, and skip the line. Debit card gold card means that after the user becomes a VIP customer of the bank card, he can apply for a debit card gold card, in addition to taking the VIP channel in handling business, he can also enjoy some value-added services provided by the bank.

2) Credit card gold card refers to a credit card with a limit of 10,000-50,000 yuan, which has certain permissions and the annual fee can be reduced or reduced through consumption. Among them, the credit card gold card is a high-level credit card with a credit line.

3) All in all, whether it is a debit card gold card or a credit card gold card, you must meet the bank's application conditions before you can apply for it.

If you need to upgrade your card to a Gold card, you can check if your card meets the bank's level requirements, and if so. Go to the counter to upgrade to a gold card.

Gold cards, also commonly known as VIP cards or VIP cards, are mostly made of yellow metal (such as gold plating, etc.). It is suitable for the production of VIP gold cards, membership gold cards, discount gold cards, business card gold cards, etc. In addition, this card is also particularly suitable for making various commemorative cards for commemoration and long-term storage, such as:

Special commemoration of weddings, school anniversaries, openings, conferences, retirements, etc.

Gold card and silver card are a kind of grading system for bank credit cards, not for buying gold and silver jewelry. According to the different credit limits, it is divided into ordinary cards, silver cards, and gold cards.

Take the Agricultural Bank as an example:

1. The maximum overdraft limit of ABC credit card personal card is RMB 50,000 (including foreign currency equivalent), 2. The overdraft limit of ABC credit card gold card is RMB 200,000, 3. The minimum overdraft credit limit of platinum card is RMB 100,000, and the maximum overdraft credit limit is RMB 1 million.

4. For commercial cards, the maximum overdraft limit for the customer's comprehensive credit is 3% and does not exceed RMB 3 million, and the maximum is RMB 1 million for those without comprehensive credit.

The overdraft limit of the credit card is also directly related to the relevant material information of the cardholder at the time of application. For example, personal income, real estate, vehicle, and the nature of the individual's work are used as proof materials to apply for a credit card, so as to limit the maximum amount of credit card.

The overdraft limit of the same credit card will also continue to increase as the cardholder's spending limit with the credit card, and the overdraft limit will automatically increase within half a year or one year.

First, in order to improve your card experience and increase your viscosity to the bank, after all, the gold card has certain privileges compared with ordinary cards (such as no queuing when taking the VIP channel, exchange fee reduction, SMS notification fee reduction, etc.);

Second, for the sake of performance, many front-line employees at the grassroots level of banks will have various tasks in reality, among which opening a VIP card (especially a VIP card above the platinum level) is a common task (there are quantitative requirements, such as opening 100 new cards in a year, etc.), so persuading you to apply for a gold card is also a way for the grassroots staff of the bank to complete the task.

The reason why the staff recommends the gold card is because these are in their business scope, for the bank, the gold card is VIP customers, these people are relatively wealthy people, once they become frequent customers of their own bank, then the bank's performance will be better, and there will be rewards for the recommended employees, the better their performance will be higher after the salary, at this point we do need to take into account these performance issues, after all, every employee needs to live, You need to take into account your own interests, so when you meet customers who are more powerful, you will recommend them to apply for a gold card.

In fact, it is also for the bank's consideration, the bank's employees work in the bank, and their performance is also related to this gold card, if the gold card is issued by the more people who know the difference, the more people who prove the deposit, the more VIP customers of the bank, these are all conducive to the bank's financing and subsequent development, and everything needs to be considered from a long-term perspective.

Extended Materials. The staff recommends customers to apply for gold cards is also good for customers, customers are VIP customers in the banking system at this time, most banks will divide all customers into grades, ordinary customers, gold card customers, ** card customers, Qingyi diamond card customers, different levels of customers get different services, in the service level, service quality, service attitude will be different, and for us customers get different service attitudes, After applying for a gold card, the service you get has been upgraded to a higher level, which can be regarded as a good treatment. When they go to the bank to handle business, they can deal with these higher-level customers first, so it is also a good thing that they can handle the card first once they have applied for it.