There is no harm in a bank gold card, but investors should pay attention to ensuring that there is enough money or enough business in the bank card.
I. Gold cards can be divided into debit card gold cards and credit card gold cards. The debit card gold card means that users can apply for a debit card gold card after becoming VIP customers of bank cards. In addition to handling business through VIP channels, you can also enjoy value-added services provided by some banks. A credit card gold card refers to a credit card with a limit of 10000-50000 yuan. This card has certain authority and can reduce the annual fee through consumption. In short, both debit cards and credit cards must meet the application conditions of banks before they can apply.
Second, as a status symbol, the gold card can satisfy the vanity of depositors, increase the stickiness of users, and have a better impression and sense of identity with banks. For customers who can meet the requirements of gold cards, they generally have deposits in banks, and the number will not be very low. Banks only need to promise some benefits, especially the symbolic meaning of identity, which will satisfy the vanity of some depositors and can easily bind these depositors to deposits, which is profitable for banks.
Thirdly, especially at present, the competition in banks is fierce, and the performance pressure of every employee is great, so the phenomenon of bank employees robbing customers is also obvious. For example, we opened a deposit account in a bank outlet B, and our deposit accountant is under the name of the marketing manager of outlet B and belongs to his own extended customer. As our savings increase, so will his performance. However, if you do business in other outlets, when the staff of outlets find that your deposit is relatively high, they will start to persuade you to handle VIP accounts such as gold cards or diamond cards, and promise you various benefits, because only when you re-handle, close the account and transfer the deposit to a new card can you be regarded as the performance of this employee. So this is why it often happens that when you go to an outlet to handle business, the staff will advise you to handle the so-called gold card.