For many cardholders, the higher the credit card limit, the more money they can overdraw, so more and more people expect a large credit card. But the dream is beautiful, but the reality is too skinny. A large credit card is not what you want to do. However, as long as you master some card handling skills, you still have the opportunity to apply.

First of all, let's learn what a large credit card is.

So a large credit card refers to a credit card with a high amount. So, how much can be considered a large amount? Here, we have to start from the credit card level. After all, the credit card level is different, and the scope of credit limit is different.

Credit cards usually include Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. Generally, the limit of general card is no more than 1 10,000 yuan, the limit of gold card is between1-50,000 yuan, and the limit of platinum card and above is 50,000 yuan.

It can be seen that large credit cards usually refer to credit cards with platinum cards and above.

So, how can I apply for a large credit card?

1. Submit a weighty financial certificate:

For large credit cards, the choice of banks is irrelevant. The key is whether the real estate license meets the requirements of this bank. Financial proof generally refers to the proof of real estate, automobile production and wealth management products under the name of an individual.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

2. Use cards to handle cards

It is the most effective way to apply for a large credit card with a card. Many card friends rely on a long-used credit card as proof of financial resources to get more credit cards. Of course, there are conditions for using a card to handle a card.

Let's take Minsheng Bank as an example. To use a card, a cardholder must hold a credit card with a credit limit of more than 40 thousand and a use time of more than half a year in order to obtain a standard platinum card. To apply for a luxury platinum card, the credit card limit required is more than 80,000, and the credit card limit required for a diamond card is more than 1.5 million.

How can I get a large credit card? These three methods are more effective.

The amount of credit card determines the level of overdraft consumption. Many card friends want to have a large credit card, but they don't know what to do. In fact, it is not easy to get a large credit card. First of all, you should do enough preparatory work, and then you should master the method.

How can I get a large credit card?

First of all, we should make good preparations.

Check your credit to see if there are any bad records, such as overdue at present, three times in a row or six times in the past two years, so don't try again. It is best to have no bad credit, and then look at how many debts have not been paid off in the newspaper. It is best not to let the debt ratio exceed 50%. After doing this, you can apply for a card.

Second, the skills of handling large credit cards

Choose a low-threshold and generous bank. If the four state-owned banks don't have certain economic strength, don't try. For example, Minsheng Bank, Industrial Bank and Guangfa Bank can all try. There are three most effective methods:

1. Submit proof of financial resources: large credit cards have a high limit and have certain requirements for the applicant's assets. For example, starting from 40,000 yuan for the standard platinum card of people's livelihood, there must be at least one property worth more than 800,000 yuan. If you can provide proof that you have real estate under your name, it will be easier to approve big cards, and the house under repayment is also recognized by people's livelihood.

2. Card handling: This is the most effective way to handle large credit cards. You need to provide a credit card with a service life of more than 1 year and a credit limit of more than 30,000 as the application materials for handling other banks' credit cards. Under normal circumstances, the credit limit of the original card will be higher than that of the original card, provided that the card use behavior of the original card is good.

3. Curve card handling: You can handle a large card with two or three cards, provided that the first card has to be billed for at least six months and has good card use behavior. The credit card you applied for is higher than the first card. For example, if the first card is a gold card, you must apply for a platinum card.

How to apply for a high credit card limit? You can't ignore the fact that you want to apply for a high credit card.

Credit cards have played a huge role in people's lives today, and many people have applied for credit cards in order to make life more convenient. Different people apply for credit cards, and the amount is high or low. Credit cards with high amounts are naturally more popular. So, how to apply for a high credit card? I will answer your question today.

First, personal credit conditions are good.

The bank's approval of credit card limit mainly depends on the applicant's comprehensive credit status, so the better the credit, the higher the credit card approval limit. So if your credit conditions are good, then you don't have to worry about not applying for a high credit card.

Second, the application materials are perfect.

The bank mainly checks the applicant's information when checking, so if you want to apply for a high credit card, you can prepare as much relevant information as possible when applying.

Third, choose the card type according to your own ability.

Credit cards are generally divided into three grades: ordinary cards, gold cards and platinum cards. Different grades naturally have different places. It is the higher the grade and the higher the quota that makes many people blindly apply for high-quota credit cards without looking at their qualifications. The chances of passing this way are very small, and even if the quota is passed, it is not necessarily high.

Therefore, when you apply for a card, you should apply for a credit card with a higher amount as far as possible according to your own qualifications and within the scope of choice.

Fourth, choose the bank counter to handle the card.

Nowadays, with the development of the Internet, many people will apply for credit cards directly online in order to save trouble. Although it is very convenient to apply for a credit card online, the information provided is less than that provided at the bank counter, so the credit card quota approved online is often lower than that approved at the bank counter. If you want to apply for a high credit card, you may wish to apply at the bank counter.

Fifth, apply for a card.

If you already have a credit card, you can apply for a card with a credit card and choose the credit card you often use to apply for a card, so that the bank can also see your spending power from the consumption record of this credit card you often use, so that the credit card amount you apply for is easier to be higher.

The above is about "how to apply for a high credit card limit?" The answer. If you want to apply for a high credit card, the key is to look at your qualifications, so you must maintain a good credit record in your daily consumption.

How to apply for increasing the credit card limit?

Generally, it takes more than half a year to increase the credit card limit, and the existing limit is basically used up every month and repaid in full every time. In this case, some banks will automatically raise the limit, and state-owned banks such as ICBC need to call themselves to apply for raising the limit.

The following methods can increase the credit card limit:

Always spend money by credit card. Credit cards must be swiped frequently and spent more, and the bank will increase the limit according to your consumption.

High consumption, try to use up the credit card limit every month, and the bank will upgrade according to the actual situation that your limit is not enough. If your card limit is 10000 and you spend 300 yuan every month, the bank doesn't think it is necessary to raise the limit.

If you apply for a temporary quota, you can apply for a temporary quota because you need to increase the quota in the short term, such as holidays, travel, business trips, etc. , which will be easier to approve.

Call to apply, once you can't, call again and continue to apply by phone. Sometimes different customer service applications are treated differently.

If the customer service doesn't accept the increase, tell the customer service. The quota can't be increased, and it's no use keeping it. If the limit is not increased, the card will be cancelled and sometimes it can be used.

The time of exit is also very important. It is most effective to apply on the accounting day or when the card has just been maxed out. Especially the major expenses that have just happened, such as decorating the house and buying a car. The bank will consider adjusting when it sees that your recent consumption does have demand.

This is the end of the introduction on how to deal with the high credit card limit and how to deal with the high credit card limit and security. I wonder if you have found the information you need?