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Aside from all being valuable metals silver, gold and platinum also signify the difference between the numerous strata of credit cards available to cardholders. So, whats the distinction in between you getting silver, gold and platinum credit cards?

Apart from the kudos of having a metallic covered card in a stratum higher than the one particular under it, with silver being viewed as the lowest, gold subsequent and platinum at the peak, these days there genuinely is little distinction between every single of these cards. Two noticeable exceptions are:

Spending Limit

Although the cards are supposed to signify a larger credit limit and spending power, in truth what they do is act as a signal as to you supposed revenue. This is since as you go up in the line of colors, so (supposedly) ought to your earnings  and therefore your spending limit. The only problem with this is that although the platinum card employed to be an invite only card, these days the qualifying salaries for each of these cards are set so close together that you do not really need to have to earning that much in order to qualify for a platinum card!

Membership Fees
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These days the amount you need to have to spend in annual membership fees to card providers is the largest distinction in between these varieties of credit cards. In component due to kudos element, card issuer really feel at liberty to charge cardholders of platinum cards far much more than they do to these who hold silver cards, which may, indeed, even be totally free of a membership fee!

So, whilst your spending limit may possibly not be that significantly greater getting a platinum card rather than a silver card, your membership fee almost certain will. The decision that you have to make, assuming you qualify, is whether or not you are prepared to pay that added quantity in membership charges to have a larger ranking card. And by adopting a policy of silver, gold and platinum credit cards, the issuers are banking on you doing wanting just that!