Applying for a large-amount credit card

The two most effective methods

One of the most effective methods: Submitting proof of property

For large amounts For credit cards, the choice of bank credit card does not matter. What matters is whether your property certificate complies with the regulations of the bank.

Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.

Take Minsheng Bank as an example. Its large credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

But the bank does not accept the car title certificate.

Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.

The second most effective method: apply for a card with a card

Applying with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.

When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.

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