The amount of platinum card that Bank of Communications asked me to apply for is only more than 10,0

The starting amount of Bank of Communications Platinum Card is 5W, and the maximum amount is 100W. The annual fee of 1000 yuan will generally be given a credit score by the bank, and the score will give you as much as the amount is reached, if you feel that the approved amount is too small, after a period of normal use, repay the loan on time, have good credit, and call ** customer service to increase the limit.

This repayment situation is good, which means that you can pay the minimum amount on time every month, and you don't have to pay it off in full, but you will incur interest if you don't pay it off.

The limit of the Bank of Communications bank credit card platinum card starts at 50,000 yuan, and there is no upper limit. For high-limit bank cards, the application conditions are relatively strict, and a certain amount of assets is required to do it, and the basic annual fee of the platinum main card of Bank of Communications is 1,000 yuan, and the annual fee for the first year is waived for 3 transactions of 168 yuan.

Extended Information: Platinum Zone:

Standard Platinum Credit Card, China Railway Network Co-branded Credit Card Platinum Card, China Eastern Airlines MasterCard Platinum Card, Air China PhoenixMiles Credit Card Platinum Card, Basic Information:

Annual fee: 1000 yuan per year.

Points: 1 yuan = 1 point.

Interest-free period: 56 days.

The longest interest-free period is the most.

Featured benefits: Global airport VIP benefits:

6 domestic lounge access and 6 international airport lounge services per year.

Branch VIP Access:

You can enjoy VIP channel service at the business outlets of Bank of Communications across the country.

Comprehensive High Protection Plan:

72-hour lost card protection, high aviation accident insurance, travel delay insurance, land and sea public transportation accident insurance.

Hassle-free driving service:

6 times a year drunk driving service, nationwide 24-hour roadside assistance with unlimited license plates.

Exclusive High Value Points Program:

3 times points for USD account consumption, double points for RMB consumption in the month of birthday, and 5 times points on birthday day.

Exclusive Privilege Merchants:

An all-encompassing selection of platinum select merchants, high-end brand events bring a unique and in-depth experience.

Lots of free privileges:

Platinum Secretarial Hotline Service:

All-round, full-time intimate secretarial services, enjoy personalized platinum benefits.

Optional value-added services:

Golf, health care, business travel and other optional services are carefully prepared for you, and you can choose to purchase or redeem points according to your needs.

The standard platinum credit card limit of Bank of Communications is generally 30,000-50,000 yuan, and the credit limit will not be very high at the beginning

1. Number of uses: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, the card will be absolutely swiped.

2. Amount: It is best to generate at least 30% of the total amount of bill consumption every month.

3. The bill for credit card consumption needs to be for 3 consecutive months, and it cannot be broken in the middle, that is, there must be consumption every month.

1. Global airport VIP privileges: You can enjoy domestic airport VIP lounge service and international airport VIP lounge service 6 times a year.

2. VIP channel of branches: You can enjoy VPI VIP channel service at the business outlets of Bank of Communications.

3. Comprehensive first-value protection plan: 72-hour lost card protection, first-value aviation accident insurance, travel delay insurance, and sea and land public transportation accident insurance.

4. Worry-free driving service: 6 times a year drunk driving service, nationwide unlimited license number hourly roadside assistance.

5. Exclusive high-score plan: 3 times points for USD account consumption, double points for RMB consumption in birthday month, and multiple points on birthday day, etc.

Extended Information:1Limit: The maximum limit for gold card is 50,000 yuan, and the maximum limit for platinum card is 50,000 yuan.

2.Annual Fees: Platinum Mastercard:

Basic annual fee of 1,000 yuan (calculated and charged immediately after verification, optional service fee is additional) Platinum supplementary card: free basic annual fee (optional service fee is additional) Gold card dual currency card: 200 yuan for the main card, 100 yuan for the supplementary card.

Gold card: 120 yuan for the main card, 60 yuan for the supplementary card.

3.Application: The application conditions for the gold card are fixed income groups, with an annual salary of more than 120,000 yuan and a good credit history.

At present, the platinum card is limited to high-quality customers with assets of more than 2 million yuan from Bank of Communications. In addition, the Gold Card is free of annual fees, non-local bank window business is free of charge, and the Platinum Card can provide all inter-bank services for free. The conditions for the platinum card are that you can do more than 100,000 business, and the platinum card can do more than 1 million.

Residential areas, commercial and residential buildings, steel markets, veterinary drug markets. The unit must have an office**, not an 11-digit mobile landline.

5. The specific conditions are as follows: meet any one: high-end customers who already have a Ward wealth card.

3 months average daily deposit of 50w in Bank of Communications); Proof of income + other bank platinum card or higher credit card with a limit of more than 50,000 and enough for more than 6 months + real estate certificate (real estate certificate or house purchase contract or house purchase); Proof of income + housing loan (only proof of housing loan is required); Proof of income + driver's license (the car must be more than 200,000 yuan, and the insurance for the car can be for a single year) can meet any of the above four conditions.

The quota is determined by the head office according to the different qualifications and conditions recognized by each person, and the quota is generally between 50,000 and 1 million.

6. Annual fee: 1000 250,000 points per year can be exempted.

Summary. Hello. Is it necessary to use the Bank of Communications credit card platinum card 5,000 limit:

If you don't want to increase the limit of your credit card, then don't do it. However, if you still want to continue to use this credit card and also want to continue to increase your credit limit, you should continue to use this credit card and make your payments on time, so that after a few cycles, the bank will give you a higher limit. If you don't use this card all the time, it will eventually be invalidated.

Hello. Is it necessary to use the 5,000 limit of the Bank of Communications Credit Card Platinum Card: If you don't want to increase the limit of the credit card, then don't use it.

However, if you still want to continue to use this credit card and also want to continue to increase your credit limit, you should continue to use this credit card and make your payments on time, so that after a few cycles, the bank will give you a higher limit. If you don't use this card all the time, it will eventually be invalidated.

On October 25, 2004, Bank of Communications Pacific Credit Card Center was officially established. Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. "Bank of Communications Pacific Credit Card [1] is a credit card product created by Bank of Communications with the introduction of HSBC's advanced technology and management, which brings together both global and local advantages, with the theme of "Chinese's global card", advocates a new consumer culture and card experience, and provides preferential benefits and intimate services throughout the world.

Is this amount raised quickly?

Quick. Multi-purpose with a quick amount.

I have tens of thousands of other bank cards, but I didn't expect to be given a 5,000.

Uh-huh. In this case, it all depends on credit.

Let's raise the amount slowly.

I heard others say that it's okay to get down 5,000, some applications don't get off the card, and I'm okay with the rest, and I don't have hundreds of thousands of debts if I'm not overdue.

Well, it's true that some applications can't be made.

Under normal circumstances, the limit of ordinary bank credit cards is less than 50,000 yuan, and the credit card limit above the platinum card level can reach more than 50,000 yuan.

If your credit card limit is insufficient, you can consider using big brand credit products such as Alipay Borrow, Tencent Micro Loan, and Du Xiaoman Financial Money. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

The credit limit of Bank of Communications credit card is as follows:

1. Bank of Communications credit card public credit card limit: 1,000 yuan to 1,000 yuan;

2. Bank of Communications credit card gold card limit: 1,000 yuan to 5,000 yuan;

3. Bank of Communications credit card platinum card limit: more than 50,000 yuan.

In exceptional circumstances, the credit card limit of Bank of Communications can be zero, and if the applicant has a substantial income and provides sufficient proof of assets, the credit limit can reach more than 1 million.

Extended Information: Fees and Interest Accrual.

1. Failure to repay the bill in full is not eligible for the interest-free period.

Interest will be charged in full at the prescribed interest rate from the date of the transaction, and compound interest will be calculated on a monthly basis; If the customer's repayment amount is lower than the minimum repayment amount, in addition to not enjoying the interest-free period, a penalty will also be incurred.

2. Failure to repay on time is not eligible for the interest-free period.

Interest will be charged in full at the prescribed interest rate from the date of the transaction, and compound interest will be calculated on a monthly basis;

3. Overdraft cash withdrawal does not enjoy the interest-free period.

Interest will be accrued from the billing date of the overdraft withdrawal, and the interest will be compounded on a monthly basis, and a cash withdrawal fee will also be incurred.

Apply, the platinum credit card will not increase the limit, pro. Thank you.

1. How to waive the annual fee for the Bank of Communications Platinum Card.

1. Bank of Communications Platinum Card Debit Card: For private bank card customers, the basic annual fee of the platinum card is waived during the validity period of the first platinum card principal card under the name of Ward Wealth Management, and the basic annual fee for the validity period will continue to be waived for private banking customers who meet the renewal standards; The basic annual fee for private banking customers who fail to meet the renewal standards will be reduced by half. The second type of platinum card is a basic annual fee of 1,000 yuan.

2. Bank of Communications Platinum Card: Except for Dual Currency Platinum Card, RMB Platinum Card and Global Credit Card, other Platinum Card credit cards are exempt from annual fee for the first year, and the annual fee for the next year is waived for 6 times a year.

3. Bank of Communications platinum card consumption of 250,000 points or more is exempt from annual fee.

2. What is the limit of Bank of Communications Platinum Card?

The specific amount of the Bank of Communications Platinum Card is based on the bank's comprehensive judgment of the materials submitted by the customer, and if the personal qualification is not particularly good, the amount of the card will be relatively low. However, the starting point of the Bank of Communications platinum card is generally 50,000, and there is no limit to the maximum.

When applying for a credit card, if you want to have a high card limit, you need to provide good proof of financial resources. After submitting the materials, you can usually get a new card in about a month.

Summary. Dear, glad to answer for you; Does the platinum card of the Bank of Communications credit card make sense with an annual fee of 1,000 yuan: Decide according to your own situation If the credit card limit exceeds 500,000 yuan, you will apply for the platinum card If it does not exceed 500,000, there is no need, and the gold card is enough.

Does the platinum card of the Bank of Communications credit card make sense? $1,000 per year?

Dear, glad to answer for you; Does the platinum card of the Bank of Communications credit card make sense with an annual fee of 1,000 yuan: Decide according to your own situation If the credit card limit exceeds 500,000 yuan, you will apply for the platinum card If it does not exceed 500,000, there is no need, and the gold card is enough.

One of the differences between gold card and platinum card: different credit lines The gold card limit is generally 1-50,000 yuan, and the platinum card limit is 50,000 yuan. The second difference between Gold and Platinum cards:

The annual fee is not Gold Card Dual Currency Card: RMB 200 for the main card and RMB 100 for the supplementary card; Gold card single currency card: RMB 120 for the main card and RMB 60 for the supplementary card; Platinum Master Card:

The basic annual fee is 1,000 yuan, which will be charged after the card is verified, and the optional service fee will be charged separately; Platinum Supplementary Card: No basic annual fee, optional service fee will be charged separately. The third difference between Gold and Platinum cards:

Application conditionsDifferent gold card application conditions: fixed income groups with an annual salary of more than 80,000 yuan, with a good credit history; Platinum Card Application Requirements: Limited to high-quality customers with assets of more than 2 million yuan from Bank of Communications.

The fourth difference between the gold card and the platinum card: the services enjoyed by the gold card are much less than the platinum card, such as the platinum card can enjoy: global airport VIP privileges, comprehensive high protection plan, smooth and worry-free driving service, exclusive high value points plan, many free exclusive services, exclusive exclusive special merchants, branch VIP channel service, platinum secretary line service, etc., these services are not available to gold card users.

Summary. Legal basis: There is an ordinary credit card in the Bank of Communications, and a platinum card is the same amount.

People's Bank of China Law of the People's Republic of China Article 2 The People's Bank of China is the leading bank of the People's Republic of China. Under the leadership of the People's Bank of China, the People's Bank of China formulates and implements monetary policy, prevents and defuses financial risks, and maintains financial stability. Article 31 The People's Bank of China shall monitor the operation of the financial market in accordance with law, carry out macroeconomic regulation and control of the financial market, and promote its coordinated development.

Hello. I have an ordinary credit card in the Bank of Communications, and I have applied for a platinum card, and the two of them have the same limit.

1. People's Bank of China Law; 2. Banking Supervision and Administration Law; 3. Commercial Banking Law; 4. ** law; 5. Insurance Law; 6. Negotiable instruments law; 7. Anti-money laundering law; 8. Regulations on the Administration of Renminbi.

Legal basis: There is an ordinary credit card in the Bank of Communications, and a platinum card is the same amount. People's Bank of China Law of the People's Republic of China Article 2 The People's Bank of China is the leading bank of the People's Republic of China.

Under the leadership of the People's Bank of China, the People's Bank of China formulates and implements monetary policy, prevents and defuses financial risks, and maintains financial stability. Article 31 The People's Bank of China shall monitor the operation of the financial market in accordance with law, carry out macroeconomic regulation and control of the financial market, and promote its coordinated development.