Is China Merchants Bank Constellation Guardian Credit Card a gold card?
This credit card consists of 12 cards with different constellations, focusing on protecting the rights and interests of Bao. It can provide the cardholder with the highest health insurance premium of 65,438+10,000 yuan, and protect the cardholder from up to 65 major diseases. As for the level of this credit card, here is the UnionPay Gold Card.
Can be judged from two aspects:
1) Annual fee, 300 yuan/year for the main card of China Merchants Bank Credit Card Gold Card and 150 yuan/year for the auxiliary card. No card opening, no annual fee. If you spend six times in the annual fee cycle, you can reduce the annual fee for the following year, and the amount and form of consumption are not limited. China Merchants Bank Constellation Guardian Credit Card is also implemented according to this standard.
2) Quota: The credit card gold card quota of China Merchants Bank is generally between RMB 654.38+RMB 0,000-RMB 50,000, and the bank will comprehensively determine the final quota according to the credit conditions provided by the applicant. Many friends who have done this kind of credit card generally have a credit limit of 20,000 ~ 30,000, which is higher than ordinary cards, but lower than platinum cards.
To sum up, China Merchants Bank Constellation Guardian Credit Card is a gold card, and the annual fee can be reduced by swiping it. As long as the number of swipes is sufficient, there is basically no annual fee pressure, and the card amount is usually above 1 10,000 yuan. Although the amount is not particularly high, it is still enough for many cardholders.
If you are not satisfied with the quota, as long as you spend more by credit card and repay on time, you will have an opportunity to raise the quota every three months.