白金贷记卡功能、服务及准入条件

白金贷记卡功能、服务及准入条件 农行最高端信用卡产品—金穗白金贷记卡 金穗白金贷记卡是农行面向高端客户发行的～提供高额度、高价值、高品质服务的贷记卡个人卡产品～是农行目前最高端的信用卡产品。根据服务内容的不同～目前推出了典藏版和精粹版两个版本。 ,一,高额授信。白金信用卡具备了农行信用卡的各项功能～授信额度10万元起～最高可达100万元。预借现金额度是授信额度的50%～远高于其他产品30%的比例限制。 ,二,价格优惠。白金卡持卡人可享受免挂失手续费、账单补印费、工本费、紧急处理服务费、交易争议调单费、密码重臵手续费等七项费用。同时～针对典藏版白金卡3000元主卡年费、2000元附属卡年费～分别提供了30万积分、20 万积分抵次年年费的优惠措施,针对精粹版880元主卡年费～500元附属卡年费分别提供了8.8万积分、5万积分 抵次年年费的优惠措施。 ,三,服务丰富。白金信用卡向客户提供9大项的特色增值服务: 1(高额保险。包括1000万的航空意外险、100万的轮船、轨道交通意外险、30万的公交汽车意外险～并对持卡人的同行配偶和子女也提供了相应额度的意外保障,前提是持卡人使用尊然白金卡刷卡支付本人和同行配偶或子女的全额公共交通工具latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 票款或80%以上,含,的旅行团费～并且乘坐同一交通工具～无须事先办理任何手续～保费已由农行支付。,。另外～持卡人卡片被盗或丢失～在挂失前72小时内如被冒用～农行也将提供最高5万元的盗失保险,在国内同业中～能够提供长达72小时盗失险的寥寥无几～农行在这方面占有优势。具体标准如下: 2(健康管家。向典藏版白金卡持卡人免费提供每年一次价值千元的三甲医院及体检中心专业体检服务、每年三次三甲医院专家预约挂号和全程陪同就医服务。持卡人还可致电400白金客服专线免费享受日常用药咨询、居家医疗问题咨询、家庭紧急情latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 况处理建议、保健咨询以及专科医疗机构推荐等服务。与国内四大行相比～农行白金卡的健康服务是最全面、最优惠的。,此项服务仅限典藏版持卡人本人～持卡人预先拨打农行400,6195599客服热线预约～福建可选择的医院有医大附属、协和、省立、南京军区福州总院、二院等。, 3(全球机场贵宾及商旅服务。提供全球90多个国家近300个城市的国际机场贵宾服务～典藏版每年免费6次～精粹版每年免费3次。持卡人还可全年不限次享受农业银行国内各签约机场的机场贵宾服务。与同业同类产品相比～农行白金卡的机场贵宾服务是覆盖面最全、优惠次数最多的。另外～白金信用卡持卡人还可享受国内外优惠租车、澳大利亚快捷助签等商旅服务。 4(高尔夫优惠礼遇。提供全球500家顶尖高尔夫俱乐部折扣优惠～亚太地区部分高级高尔夫球具店8折优惠～亚洲6家顶级高尔夫俱乐部免果岭优惠。 5(白金特约名店。提供世界知名的高档酒店、会所、食府、名品名店的消费折扣。 6(道路救援。提供全国200多个城市24小时的不限次数的路边快修、拖车、困境救援、医疗援助等全方位的紧急救援。 7(白金秘书。提供全球范围内的机票查询预订、酒店预订、时尚产品代购及邮递、以及全球性活动的票务预订等服务。 8(贵宾金融通道。白金卡持卡人可在农行全国范围内的金钥匙理财中心、金钥匙贵宾室和金钥匙贵宾窗口享受贵宾金融服latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 务。 9(白金贵宾专线。农行为白金信用卡持卡人专门开设了400白金专线,400,6195599,～并提供双语服务。 白金信用卡申办标准及业务 一、白金信用卡客户准入标准 1.年有效消费额在10万元,含,以上的我行贷记卡金卡客户, 2.年收入在20万元,含,以上的客户, 3.通宝白金和钻石借记卡客户, 4.同业钻石借记卡、白金信用卡客户, 5.科级及以上的国家公务员～政府序列企事业单位、社会团体、直属单位的科级及以上干部, 6.中央及地方国有企业部门经理及以上管理人员, 7.金融证券保险行业县级以上分支机构班子成员、科级以上部门经理, 8.与我行有业务往来的其他公司类客户的中高级管理人员以及我行认定的其他高端个人客户。 二、白金信用卡申办材料 各行对主动营销的白金信用卡客户应采用简化申领材料的办卡方式。对已持有我行信用卡的客户～在申请表上只填写本人姓名、身份证件号码～且无需提供本人有效身份证件及资信证明文件,对未持有我行信用卡的客户～须完整填写申请表～并提供本人有效身份证件及复印件。 客户主动申领白金信用卡的～须完整填写申请表,并提供latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 身份证明文件和资信证明文件。如发卡行能准确确认客户资 信状况的～经有权审批人认可后～可免除资信证明文件。 三、白金信用卡发卡及额度调整业务流程 ,一,白金信用卡发卡业务流程 1.营销和受理环节 对于主动营销的客户～营销人要严格按照监管部门的要求做到亲访亲签～确保客户本人签名～并对客户单位和职务的真实性负责,对新客户～营销人还应核对客户本人与其提供的身份证明件原件、复印件～并在复印件上署名并签署“与原件一致”字样,营销人应在申请表“推荐人姓名”和“推荐人编号”栏目分别填写本人姓名、手机和身份证件号码,根据客户需求～营销人在“银行审批意见”栏中“发卡人审批意见”字样下方空白处填写建议授信额度～如申领人为个体工商户以及其他无法通过职业、职务、身份判别其经济实力的客户～营销人员还须填写《申领高授信额度的白金卡客户情况说明》～说明要给予申领人较高授信额度的理由,营销人将上述各项资料交给网点受理人员～受理人员审核申请表等资料完整性后～填写贷记卡调查审查审批表随同申请表等资料传调查人员,对营销人在申请表上注明授信额度、该申领人又在本网点有业务往来的～须由网点负责人在贷记卡调查审查审批表填写建议额度并签字。 对于客户主动申请办卡的～受理人员除审核申请资料完整性并填写贷记卡调查审查审批表外～还应确保客户本人签名～并核对客户提供的申请材料复印件是否与原件相符。 2.调查环节 调查人员接到申请资料后～通过查询人民银行征信系统核实客户征信情况～通过ABIS、PCRM等系统对客户与我行的业务往latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 来情况进行核实～通过电话调查等方式进行外部调查。 对于主动营销的客户～原则上只进行内部调查～一般不打扰客户～如客户征信情况不符合发卡条件～调查人员应通过营销人或网点负责人向客户了解不良征信产生的原因～并告知消除不良征信的方法和途径。情况合理的可给予原建议授信额度～并在调查意见中注明调查情况,属客户本人恶意或支付能力问题造成不良的～均不得发白金信用卡。 3.审查审批环节 调查人员签署调查意见后～将调查审查审批表等资料提交独立审批人审批授信～超权限的由有权人审批授信。 ,二,白金信用卡额度调整业务流程按照《关于调整金穗贷记卡授信审批流程的通知》,农银办发[2009]97号,执行。为加快业务处理速度～提升白金信用卡客户满意度～各行应从严执行《中国农业银行金穗贷记卡业务限时办结规定,试行,》,农银办发[2008]1038号,～从网点受理人员收到申请资料～完成受理、调查、审查审批到提交申请资料至总行的时间必须控制在7个工作日以内。 四、白金信用卡授信标准 白金信用卡客户的初始授信额度由有权审批人在其审批权限内审批～一般不超过100万元人民币。各行可结合客户职务、资产状况、收入水平、支付能力以及当地经济发展水平等因素制定具体授信标准。对于主动营销的客户～应尽量满足客户要求～在审批权限内按客户需求授信。 latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth 申领高授信额度的白金卡客户情况说明 现推荐客户 ～证件号码 ～ 贷记卡申请表编号为 初次授信要求额度 万元。该客户与我行的业务往来、经济实力以及其他情况如下: 1、在我行存款、贷款、购买理财产品等方面情况: 2、房产及其他资产情况: 3、其他理由: 营销人员工作单位、岗位及联系电话: 营销人员签名: 日期: 注:此说明可输入电脑后打印～但营销人员必须亲笔签名。此说明与申领人申请表一并交网 点受理人员。 latest agricultural transformation of scientific research achievements in Dongping. Upgrading waste management, and increase the "eye in the sky project" social governance projects, promoting health care, environmental protection, people's livelihood, such as the transformation and application of scientific and technological achievements of energy saving, give full play to science and technology in the leading role of digital construction of Dongping, raise the level of social governance and human security. Second, raise the level of scientific talent and intelligence to play a supporting role 1, effectively enhance the people's sense of urgency and responsibility. Current human resources has become the most important strategic resources, talent has become a focus of competition between regions, and become the key factor to speed up development of a region. Who has the talent who will have competition. Who can put talent advantage into for technology advantage, and industry advantage, who on can won competition of initiative, XI General Secretary to United States access, with mission personnel list essential of is Ma, MA no in laboratory do research, a electric business mode, a Alibaba paid treasure, on for General Youth