Old credit card users know that it is difficult to apply for a large credit card unless there is a high level of asset proof or many years of card usage records. A while ago, a credit card case was solved in Wuhan. A fraud gang used Internet calls to call unspecified mobile phone users, saying that they could apply for large credit cards, but they needed to pay a deposit to commit telecom fraud. The fraud involved involved more than 20 million yuan.

Netizens may wonder why so many victims believe such a scam? It turns out that most of the scammers' targets are people who need a large amount of money in the short term, such as those who have lost money in business or are eager to pay back money. Because these people who are in urgent need of cash often do not have the assets to apply for a large credit card. When they are short of money, many people will lose their minds. At this time, scammers will take advantage of the situation and pretend to provide help in times of need, but actually defraud money.

At present, all those who claim to be able to apply for credit cards through phone calls, text messages or the Internet, especially those with large credit cards, are illegal and non-compliant. It is a financial fraud to charge fees for the agency. The bank stipulates that the applicant must apply for a credit card in person, and others cannot apply for the credit card on their behalf. I believe that the so-called agency will not only lose a "handling fee" and "deposit", but also make your personal information "transparent". When scammers get your information, they may also sell it to other criminal gangs to use you To carry out more criminal acts in the name of others, the consequences will be unimaginable. In addition, scammers can do things for you or make payments on your behalf. If the scammer has gained your trust, even if they really help you download the card, they will defraud the money in the card by asking for verification codes, passwords, etc.

The credit card limit and approval rate are determined by the bank, and no one can guarantee a large amount or purchase the card. Managing your personal credit record well and improving your repayment ability are the keys to raising your credit card limit.

To apply for a credit card, you must go through formal channels. All formal channels are free of charge. Offline, you can directly go to the counter of a bank branch to handle the application. Online, you can self-service through the bank's official website, bank APP or Duxiaoman Financial APP. Banks sometimes take the initiative to go to some enterprises and institutions for centralized processing, but be careful to identify the identity of the handling personnel. It's a bank employee.