I often hear people complain that credit cards (debit cards) are not enough? Large credit card (debit card) is not only a symbol of status, but also a symbol of wealth. Many people dream of getting a large credit card (debit card), but the reality often backfires. It is not easy to get a large credit card. So what are the large credit cards (debit cards)? What are the application skills for large credit cards (debit cards)? Let's talk with you today.

Basically, every bank has a large credit card (credit card), and the platinum credit card (credit card) issued by domestic banks is generally more than 50 thousand;

Take Minsheng Bank as an example. There are several types of large credit cards (debit cards):

Standard platinum card 40,000 quota, luxury platinum card 80,000 quota and diamond card 200,000 quota;

It is basically impossible to apply for this type of card voluntarily. Usually you need an invitation from the bank, or you have a large deposit in the bank, or you have strong assets. Sometimes, it is easier for customers to apply for a large credit card (debit card). Taking the standard platinum card of Minsheng Bank as an example, applicants are required to have more than 800,000 fixed assets.

Application skills of large credit card (debit card)

Proof of property

Financial proof of real estate, automobile production, etc. Now this part is more strict. Many banks stipulate that in order to get a platinum card, you need to have more than 30 cars or more than 654.38+00,000 fixed properties;

Choose the correct credit card (debit card)

Friends who often use credit cards (debit cards) should know that the credit card (debit card) quota changes according to the level, so if you want to apply for a large credit card (credit card), you must first choose the appropriate credit level. For example, the gold card quota is generally 80 million to 500 million, while the platinum card quota is generally above 50,000;

From small card to big card

If the economic conditions do not meet the requirements, we can only try to increase the credit card (debit card) quota by changing small cards into large cards. Credit card (debit card) has a good repayment reputation and a large consumption capacity. Some banks will consider increasing the credit card (credit card) quota.

The above content is about what is a large credit card (credit card) and application skills. In fact, the application threshold for large credit cards (credit cards) varies from bank to bank, mainly because banks have different requirements for property certificates. For example, some banks mainly look at fixed property rather than fixed products as reference conditions when approving large credit cards (credit cards), but some banks will accept vehicle production certificates.

Warm reminder:

Applying for a credit card (debit card) should aim at daily capital turnover and daily consumption, instead of blindly pursuing a high-value credit card (credit card), or applying for a credit card (credit card) reasonably according to your own situation. After all, whether it can be repaid smoothly after consumption is the key factor to consider when applying for a large credit card.