A credit card with a limit of 50 thousand is a large credit card. Generally, only high-end credit cards have such a high amount. Although everyone wants a credit card with a limit of 50 thousand, no bank will give us as much. The bank's approval of credit cards is based on the comprehensive qualifications of customers. So, how about a 50 thousand credit card? Let's analyze it together
If you want to apply for a credit card with a limit of 50 thousand, you should make the following preparations:
1. Have a good credit record: if one account is not blank, it must have a credit card in normal use or a loan in its name, and one account is not overdue. Credit card or loan repayment on time, not overdue for three consecutive years in the past two years and not overdue for half a year. The number of hard queries shall not exceed two.
2. Choose Platinum as the card level: the maximum amount of ordinary credit cards does not exceed 50,000 yuan, while platinum cards are all approved from 50,000 batches, so it is best to choose Platinum cards and apply directly by handling cards or applying for two cards, and the success rate will be higher.
3. Adequate economic proof: Economic proof is an important embodiment of the applicant's income and repayment ability. Therefore, if you want to apply for 50,000 credit cards, you can provide information to prove your financial level, such as housing, cars, deposits, investment market value documents, and deposit records such as provident fund and social security.
4. Lower debt ratio: Higher debt ratio means greater repayment pressure every month, which will be rejected by banks because of insufficient repayment ability. Usually, the normal debt ratio is best controlled below 50%. For large credit cards, the debt ratio is better to be lower, and it is safer not to exceed 30%.
In short, the more fully prepared the credit card, the more favorable it is to approve a credit card with a limit of 50,000. Wish you all the best.
Is credit card 50 thousand a lot of money? How about a 50,000 credit card?
For many users who want to apply or are applying, it is very happy to successfully apply for a large credit card. However, the handling of large credit cards is not simple, and the required conditions and thresholds are higher. A friend asked, is 50 thousand credit card a big sum? How about a 50,000 credit card?
Is credit card 50 thousand a lot of money?
Under normal circumstances, users go to the bank to apply for a credit card. If he has never applied for any credit card before, the credit card amount that the user can apply for is generally between 20 million and 50 thousand. Not many people can apply for 50,000 lines of credit cards for the first time, so 50,000 lines of credit cards is already a large amount.
When approving the credit card limit, banks need to comprehensively consider the user's age, work unit, stability, income status, current credit history and other factors. If the cardholder's work or financial information changes, it may be necessary to re-provide the information to the bank for re-examination.
How about a 50,000 credit card?
Each bank has a wide variety of credit cards, and users need to meet different audit conditions when applying for different credit cards. For example, to apply for high-end platinum cards such as PUFA AE, users need to earn at least 25w a year. If it is the first time to apply for a credit card, it is still difficult to get a credit card with a limit of 50 thousand at one time.
If you have applied for a credit card before and your comprehensive qualifications are good, it will be easier for users to apply for a credit card with a quota of 50,000. Generally speaking, it still depends on the personal qualifications of users.
The above is "Is 50,000 credit card a large sum?" I hope I can help you!
What is the credit card limit of 50,000?
Large amount level. Under normal circumstances, users go to the bank to apply for a credit card. If he has never applied for any credit card before, the credit card amount that the user can apply for is generally between 20 million and 50 thousand. Not many people can apply for 50,000 lines of credit cards for the first time, so 50,000 lines of credit cards is already a large amount.
Extended data:
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Use attention skills
Repay in full to avoid cyclic interest.
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.
Temporarily increase the credit limit and avoid credit card off the charts.
In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.
The minimum repayment amount must be paid in full to avoid late fees.
In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.
How to apply for a 50,000 credit card? Look at these two methods.
Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.
1, China Industrial and Commercial Bank: Cosmos Constellation Credit Card.
Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!
In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.
2. Bank of China: Taobao Credit Card
In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend 5 times at any amount.
3. Agricultural Bank: Upgrade mom's credit card beautifully.
This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.
You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.
4. China Construction Bank: Global Hot Purchase Card
This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.
Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.
The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!
Who are the people with a credit card limit of 50 thousand
They are all relatively rich people. The quota of 50,000 is considered as a large credit card, and most of them can only be reached by high-end cards with platinum cards or above. In addition to meeting the basic requirements for handling a credit card, the applicant of this kind of credit card also needs to provide sufficient financial proof such as property certificate, automobile production certificate and large deposit certificate to prove to the bank that he has sufficient repayment ability.
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1. From the consumption level, a credit card line of 50,000 is generally equipped with a whole house of household appliances. Of course, your requirements should not be too high. If it's not 10000 yuan, it's basically the same. In addition, the quota of 50 thousand yuan allows you to travel abroad; If it is for home use, the quota of 50,000 can be said to be the annual expenditure of some families, so this quota can be said to be relatively high. Judging from the credit card quota, 50,000 yuan is a large credit card, most of which can only be reached by high-end cards with platinum cards or above. However, this kind of credit card has strict qualification requirements for applicants. In addition to meeting the basic conditions for applying for a card, the applicant also needs to provide sufficient economic proof such as property certificate, automobile production certificate and large deposit certificate to prove to the bank that he has sufficient repayment ability, and can only apply for it after being approved by the bank.
2. If the card approval amount is not high, there are ways to reach the level of 50,000 yuan. This requires increasing the credit card amount to 50,000 yuan by increasing the card amount. However, this process may take a long time. Xi Cai Jun has compiled several cash withdrawal techniques for your reference: First, if you want to increase the activity of your credit card, you should spend it by swiping it frequently, and never use cash where you can swipe it. After all, credit cards are used to swipe cards. Don't tell me about cashing out. The bank doesn't allow it.
3. Pay attention to diversification of consumption. Diversified consumption can be said to be the key to increasing the amount. After all, banks can know your lifestyle and consumption level through your consumption form, so when you swipe your card, you must ensure diversified consumption, including department stores, supermarkets, restaurants, entertainment, hotels and so on. Then, don't let go of the temporary restrictions. Generally, when the card is in a normal state, you have developed a good behavior of using the card. After 3 months of card opening, temporary limit will be issued. You can use the temporary quota to let the bank know that the fixed quota can't meet your consumption demand, and it may increase the quota. In short, the credit card limit of 50,000 yuan is a relatively high level, which can provide great help to cardholders when they need a large amount in the future. So, if you want to reach this level, I suggest that you can increase the quota through the above methods, but don't blindly pursue high quotas.
How much can I pay for the 50 thousand credit card limit? Pay attention to these credit card items.
Many people apply for credit cards in order to meet their own consumption needs. After getting the card, they can start their credit card journey, but this is not how much you can swipe. After all, the credit card overdraft consumption limit is within the available limit. Then, how much can I pay for the credit card limit of 50 thousand? Let's take a look together.
In general, the amount of credit card swiping is subject to the amount approved at the time of card approval. For example, if your credit card limit is 50,000 yuan, then the maximum amount you can overdraw is 50,000 yuan. Within this limit, you can choose to brush this 50,000 yuan at one time, or you can brush part of it first and then brush it after repayment.
However, how much credit card can be swiped depends on the currently available credit card limit. After all, the available credit card amount will decrease with credit card swiping. For example, if your credit card limit is 50,000 yuan and you spent 1000 yuan a few days ago, you can only spend 40,000 yuan now. If you want to spend 50 thousand, you have to pay back this 1 000 first.
Need to be reminded that no matter how much your credit card can charge, you must pay attention to some things when swiping:
1. Your credit card swiping behavior should be within the scope approved by the bank, such as frequent credit card swiping, the amount of money, and the types of merchants. You should also swipe your card at the normal time, that is, from 9: 00 am to 9: 00 pm 10, and don't swipe your card at other time periods.
2. Don't brush the credit card limit at one time, or only brush a large amount, which will be considered as cash by the bank and easily controlled by the wind.
The above is the related introduction of "How much can I swipe the credit card limit of 50,000", and I hope it will help everyone. Of course, the credit card must be repaid before the final repayment date, otherwise it will be overdue, and it is best to repay it in full. If you can't repay in full, you can choose to apply for credit card installment or repayment according to your actual situation, which will not affect your personal credit.
This is enough to introduce a credit card limit of 50 thousand.