The first category: civilian diaosi
There is no job to pay social security/provident fund, no punch-in salary (excluding private transfer), no assets (no house and no car), no large deposit (less than 65.438 million), etc.
It's like a blind date. When a woman suddenly asks, what do you have? You won't be able to prove that you have money for a while.
A credit card is a blind date, and a bank is a girl. You should not only have more intersections with her (contributions, old debit card customers, etc.). ), but also prove that you have money (financial management).
Life 1 credit card
China Merchants Bank's first credit card, whether it is marketing activities or the convenience of APP, China Merchants Bank has always been at the forefront of domestic credit cards.
Whether it's an ordinary card or a gold card, even if the starting point of the quota is low and it is used normally, the quota will increase steadily in 3 or 6 months, and the average person is basically around 1 year, and it can be capped at 60,000.
The amount of the first credit card is very important. Other banks will give you a card with reference to the average amount. If the first card is a vegetable card, it is estimated that the credit card limit at the back will be cold.
This is also why civilians should never handle the five major state-owned banks such as CCB, ABC and BOC in the first place. These banks all issue 5000 food cards, so what should we do with other banks in the future?
The second credit card: Minsheng and Guangfa Credit Card.
Reasons for application, so that you can apply for a card and increase the quota.
The third credit card: Ping An and CITIC credit cards.
Ping An's risk control is strict, and CITIC is an iron cock, so it is put behind, because it is not easy for them to raise the amount, but they will refer to the existing credit card limit.
The fourth credit card: CCB and ICBC
There is a limit to the credit line. The so-called XX credit card means that there are too many lines to get a card, but your qualifications are too poor.
Fifth credit card: Shanghai Pudong Development Bank, Industrial Bank, Huaxia Bank and other domestic joint-stock banks.
The sixth credit card: China Bank, Communications, Postal Savings and other five state-owned banks.
At present, many local social security/provident funds have credit information, so it doesn't matter whether the credit information is accurate or not.
The seventh credit card:
Standard Chartered Bank, Citigroup, and small banks everywhere.
Eighth credit card:
Handling bank credit cards in different places
Through the above sequence, if the information is slightly optimized, it can handle at least 300 thousand.
What, 300 thousand, you hate low.
I have a friend who often thinks that 700,000-800,000 yuan is easy and likes to watch sports cars best, but it is a bit difficult to get him to pay 10000.