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How to apply for platinum card

2025-10-26 20:24:28 educate

How to apply for platinum card

Recently, platinum card application has become one of the hot topics. With consumption upgrading and the popularity of financial services, more and more people are paying attention to the application conditions and benefits of high-end credit cards. This article will give you a detailed introduction to the Platinum Card application process, conditions and related precautions based on the hot content on the Internet in the past 10 days.

1. What is the Platinum Card?

How to apply for platinum card

Platinum card is a high-end credit card launched by banks for high-net-worth customers or high-quality customers. It usually has a higher credit limit, rich rights and exclusive services. Common platinum cards include China Merchants Bank Classic Platinum Card, Industrial and Commercial Bank of China Shangri-La Platinum Card, etc.

bankPlatinum card nameMain interests
China Merchants BankClassic Platinum CardAirport VIP lounge, high points redemption
ICBCShangri-La Platinum CardHotel accommodation deals, airport transfers worldwide
China Construction BankDragon Card Platinum CardDedicated customer service, high insurance

2. Application conditions for Platinum Card

The application conditions for Platinum Cards are relatively strict and usually require applicants to have a high income level or a good credit record. The following are common application requirements:

Application conditionsSpecific requirements
income requirementsAnnual income ≥ 200,000 yuan (different banks have different requirements)
Credit historyNo overdue records, credit score ≥700
Proof of assetsProof of assets such as real estate, deposits, financial management, etc.

3. Platinum Card Application Process

The process of applying for a Platinum Card usually includes the following steps:

1.Choose bank: Choose the appropriate platinum card product based on your own needs and bank rights.

2.Prepare materials: Including ID card, income certificate, asset certificate, etc.

3.Submit application: Applications can be submitted through the bank’s official website, APP or offline outlets.

4.review: The bank will review the applicant's qualifications, which usually takes 3-7 working days.

5.issue card: After approval, the bank will send the credit card to the applicant’s address.

4. Recent hot topics

In the past 10 days, hot discussions about the Platinum Card have mainly focused on the following aspects:

topicDiscussion popularity
Platinum Card Annual Fee Reduction Policyhigh
Comparison of benefits of high-end credit cardsmiddle
Platinum card application threshold loweredhigh

5. Things to note

1.Annual fee issue: Platinum cards usually have higher annual fees, and some banks can waive them by meeting consumption standards.

2.Credit management: Use credit cards rationally to avoid overdue credit records being affected.

3.Rights use: Make full use of the benefits of the Platinum Card, such as airport VIP lounges, insurance services, etc.

In summary, applying for a platinum card requires meeting certain conditions, but with reasonable preparation and selection, ordinary people can also have the opportunity to successfully apply. Hope this article can provide you with valuable reference.

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