What are the requirements for applying for a large-amount credit card?
The general limit of a large-amount credit card is more than 50,000 yuan, but not everyone can easily get a large-amount credit card. If you want to apply for a high-limit credit card, in addition to meeting the basic card application conditions, you also need to meet some other conditions. Let’s learn about it together.
To apply for a credit card, you must first meet the following conditions:
1. Be between 18 and 65 years old, have a stable job and income, and have good credit.
2. You must also provide proof of identity and income.
Reminder: If you don’t have a house or a car, or you can’t even provide proof of income, it is difficult to apply for a credit card with a limit of 50,000, so cardholders should not believe that you can apply for a large credit card unconditionally. credit card rumors. Of course, if you also meet the following conditions, it shouldn’t be difficult to apply for a large credit card.
1. Have a superior career
Civil servants, teachers, doctors, Fortune 500 employees, staff in public institutions and other professionals are so hated! You can easily apply for a large credit card.
2. Sustained and stable income
An annual salary of two to three hundred thousand or more will definitely help you apply for a large credit card. Regarding income status, it is not that the higher the salary, the better! The credit reporting center generally follows the principles of income scoring: civil servants are better than ordinary people; large state-owned enterprises are better than other enterprises; sustained and stable middle income is better than unstable high income; bank card wages are better than cash wages.
4. Be able to provide proof of financial resources
For example, if you have a car, and it is a famous brand car, you can provide a driving license (although some banks do not support car ownership certificates for large-value credit card applications); Or if you own a house, provide a real estate certificate.
5. Bank Contribution
This is really the most effective way to apply for a large credit card. Now banks are very realistic and the most important thing is the applicant's contribution to the bank. Therefore, time deposits of more than 5 years (the more the better), financial products with large amounts of money, etc. are very popular with banks. If you have a deposit of 3 to 50 million in the bank where you want to apply for a card, SOEASY is the way to apply for a large credit card. Got it!
Requirements and methods for applying for a large-amount credit card
Many cardholders want to apply for a large-amount credit card, but it is not that easy to apply for a large-amount credit card. As we know, general large-deposit credit cards usually include high-end credit cards such as gold cards or platinum cards, and the application conditions for such credit cards are often strict. So, here comes the question: What are the requirements for applying for a large credit card, and what are the methods? Let’s introduce it to card friends.
Necessary conditions for large-amount credit card application:
1. Credit record
If the credit card applicant has opened an account with the credit card issuing bank in the past and often If the account balance is stable, or there is a large amount of funds coming in and out, the bank will consider adding points as appropriate.
2. Economic ability
How to reflect your economic ability? Applicants who need to provide detailed proof of personal income, with stable income and long-term prospects for income growth will receive higher ratings.
3. Technical title and working status
Technical title is a testimony of the applicant's work ability. Employees in industries with higher stability can gain more trust from banks.
4. Marital status
Unexpectedly, banks will think that married applicants are more stable than singles, so they are more favored by banks. All other conditions being equal, the approval amount may be higher for married people.
5. Personal housing
If the applicant owns a personal housing, it can also show that the individual has a certain financial foundation. If you are unable to repay the loan, you still have real estate that can be mortgaged to a bank. The bank Of course we are more than willing to approve the card for you.
How to apply for a large-amount credit card:
The first is to apply directly. This requires that the information you provide is complete and your personal conditions are very good.
Firstly, the personal assets are rich, secondly, the personal income is stable, and thirdly, the personal credit is good. When these conditions are met, you can go directly to your local bank to apply for a large-amount credit card.
The second type is bank invitation. This situation often occurs among a special user group of banks. This group of people have frequent business dealings with banks and usually own certain assets in the bank. The bank will directly invite him to get a large credit card based on his comprehensive situation in the bank. In this case, a large credit card can be obtained as long as the invitee agrees.
What are the requirements for applying for a large-amount credit card?
The conditions for applying for a large-amount credit card are:
1. Be between 18 and 60 years old, and have full civil behavioral capacity.
2. Good credit, no overdue record.
3. Have a stable job and have worked continuously in the unit for more than two years.
4. Have certain personal property, such as real estate, cars, deposits, etc.
5. Pay social insurance on time.
Credit card:
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and Various media that provide cardholders with related banking services.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCar.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
What are the requirements for applying for a large-amount credit card? How much is the handling fee?
The conditions for applying for a large-amount credit card are:
1. Be between 18 and 60 years old and have full capacity for civil conduct.
2. Good credit, no overdue record.
3. Have a stable job and have worked continuously in the company for more than two years.
4. Have certain personal property, such as real estate, cars, deposits, etc.
5. Pay social insurance on time.
Generally, credit card processing is free of charge, but different banks have different conditions for debit card processing. You can refer to the credit card processing conditions of major banks.
Extended information:
Credit card repayment methods:
1. Within the card issuing bank
This method includes: card issuing bank counter, ATM, Online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. Weiyintong POS mobile phone
Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. . Instant payment!
3. Transfer/remittance repayment
It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places.
Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
4. Online repayment
The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
5. Convenience store repayment
This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2~ 3 working days, and there is no handling fee for repayment using this method.
6. Over-the-counter repayment
Over-the-counter payment refers to the bank cards issued by various networked financial institutions, which can be paid through the counters of other bank branches registered in the UnionPay Exchange Center host system. Conduct RMB current deposit and withdrawal transactions.
7. Xinpaytong repayment
The "Xinpaytong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and approved by the China UnionPay inter-bank information exchange network Providing innovative electronic products supported by financial services.
8. Repayment Tong
Use "Repayment Tong" to make repayments. The fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
9. Other methods
In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.