How to handle a large credit card, teach you a few tricks to handle a large credit card.

Handling large credit cards will not be as easy as ordinary cards and gold cards. The application threshold for large credit cards is not only high, but also the application process is relatively complicated, so the final result is not 100%. The credit line depends on everyone's comprehensive situation and past credit records. If you want to apply for a large credit card, you can try the following methods.

The first way is to provide proof of property to the bank.

Submitting proof of property is the most direct way to handle the card. If you have strong property certificates, such as automobile property certificate, house property certificate, bank deposit certificate, securities certificate, large wealth management products, etc. Then you can provide these financial certificates to the bank, and you can also provide some attachments, such as technical grade certificate, business license of individual industrial and commercial households, business license of enterprise legal person, etc. So that the bank can give a higher amount according to these attachments.

In the second method, a card is required for large capital deposits.

When handling large credit cards, it is best to choose a bank with existing business cooperation, such as the bank where the salary card is located and the bank with time deposits.

Or a bank with a large current account and frequent capital exchanges, because most banks have deposit tasks now, you can directly tell the business personnel that if you can't provide you with a high credit card, you won't continue to deposit. Generally speaking, the bank will handle a large credit card for you in order to leave a deposit.

The third way is to buy an insurance card.

This method is only applicable to Ping An Bank. If the applicant has purchased Ping An insurance and paid more than 30,000 yuan per year, he can apply for a platinum credit card at least.

The fourth method, high consumption card.

If the applicant has purchased a first-class air ticket, the airport corridor can directly handle the credit card. In addition, if you sign a foreign travel contract, you can also apply for a credit card from Industrial Bank.

The last way is to use a card.

If you already have a credit card with a quota of more than 50,000, it will be much more convenient to apply for a credit card in other banks, and generally you can get a higher quota.

How to achieve a high credit card limit? It is good to master these skills.

In normal times, many people use credit cards, which can make our consumption more convenient. But when handling credit cards, many people want to have a higher credit card. So how can we get a high credit card? What skills are needed? Let me give you a detailed introduction.

Users who want to apply for a high credit card must submit proof of funds, such as provident fund, bank deposits, bank wealth management products, vehicle information, real estate information, etc. After these materials are submitted to the bank, you can apply for a high credit card, and the amount given by different banks will be different when you get the card.

When handling a high-value credit card, the user's credit information must be good, otherwise the bank will not approve the high-value credit card, even if the user submits a financial certificate. When applying for a credit card, the amount of the card is different under different application channels. It is best to apply for a high credit card through the bank counter.

When you apply for a credit card in a bank, you should know the rights and interests contained in the card in detail, and generally choose a credit card that saves money on daily consumption. Moreover, there are many kinds of cards in the bank, so users can choose the appropriate card according to their actual situation. At the same time, it can be compared between different banks when applying.

The credit card applied by the user can be activated after it is obtained, but the transaction password and inquiry password should be set when it is activated. Remember the settings here in the future and avoid the disclosure of the transaction password. If the transaction password is accidentally leaked, it is likely to cause the credit card to be stolen and bring certain losses to individuals.

When users usually use credit cards for spending, they should not exceed their personal burden, so as to avoid not being able to repay on time after using them. If repayment is difficult, you can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount, but you need to pay a certain handling fee.

Introduction of high-end credit card applications

Generally speaking, the conditions for applying for a high credit card are as follows:

1, a natural person with full capacity for civil conduct and repayment ability.

2. The age is between 18 and 65 years old.

If you want a high amount, you'd better choose gold and platinum cards.

The credit card level is different, and the approval amount is also different. Generally, the average credit card is 3,000-8,000 yuan, the gold card is 8,000-50,000 yuan, and the platinum card is more than 50,000 yuan, but the specific amount depends on your economic proof and personal credit status. Therefore, if you want to apply for a large credit card, you must first choose a gold card or a platinum card.

If it is not a big "local tyrant", the gold card is more suitable. The annual fee for a platinum card is thousands every year, and most of them can't be exempted. Generally, a gold card can be swiped several times a year to avoid the annual fee. If you are a rich car owner, then the platinum card can definitely meet your demand for quota, and the platinum card can also enjoy many high-end services.

Financial proof

Good personal credit record

A good personal credit record is conducive to high credit card applications. Be sure to repay in full and on time, and don't be overdue, so as to have a good credit certificate.

Filling skills

When filling in the credit card application form, its content will directly affect the bank's rating on us. The higher the rating, the higher the approved amount.

1, how much is the income: the higher the income, the higher the bank's credit score for you;

Is there a fixed telephone number in this city? Having a fixed telephone in this city means that your residence is stable, which will increase the credit evaluation score of the bank;

3. Married or not: Married scores are higher than unmarried;

4. Whether it is a local account: the score of a local account is higher than that of a foreign account;

5. Is there a room: having a room is higher than not having a room, and living by yourself is higher than living with parents;

6. Education: Postgraduates are higher than undergraduates, and the higher the education, the higher the score;

7. Nature of work unit: The more stable the work unit, the higher its popularity and the higher its score. For example, institutions, large state-owned enterprises, and Fortune 500 companies all scored relatively high;

8. Position: The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

How to apply for a high credit card? It is much easier to sort out these points!

It is not difficult to apply for a credit card. Now banks are vigorously promoting credit cards. You just need to fill in the information to get a card. However, applying for a large credit card is not that simple. What conditions determine the ability to apply for a large credit card? As long as you understand the following points, high-value credit cards will be super simple. Let's take a look at it from the following aspects!

1, card qualification

Generally speaking, applying for a credit card is a qualification issue. First of all, we must have a stable job, preferably a decent job, preferably a civil servant, a public institution, a state-owned enterprise, etc.

It doesn't mean that private enterprises can't handle high-value credit cards. They can make the payroll of the card bank, and can also supplement social security, provident fund, tax payment certificate, professional title certificate, skill qualification certificate and other materials.

2. Credit card maintenance

If you want to increase your credit card limit, raising a card is definitely indispensable. We must find ways to optimize ourselves from the aspects of credit card merchants, credit card frequency, credit card time and credit card amount, and increase our total credit line in the bank.

The best way for everyone to increase the quota is to apply for a high-grade credit card with guaranteed quota. If it really doesn't work, then slowly increase the quota with a credit card.

3. Order of card application

First, apply for the mortgage/car loan and credit card of the handling bank to ensure a high amount. Some banks will refuse to hold more than five credit cards from other banks, such as China Construction Bank, Agricultural Bank of China, China Merchants Bank and Citigroup. , and optionally process them first.

Some banks withdraw money quickly and accurately, such as investment promotion, agriculture and Guangfa. Cards called "good maintenance" in the circle can also be handled in the early stage, and it will be easier to handle cards after increasing the quota.

Here, I would like to introduce how to apply for a high credit card. As long as you pay attention to the above three points and optimize your qualifications in many ways, I believe you can do it soon!

I want to apply for a high credit card. What should I do?

Go to the bank to fill out the application form and repay it on time when you spend money. Gradually accumulating credit lines will improve. Then you can go to the bank if you meet the conditions for handling a high credit card.

Provide sufficient information, various assets/income certificates and good credit records. Cultivate feelings with banks, spend a long time, deposit more, etc.

Extended data:

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Baidu encyclopedia-credit card

What if ordinary people have high credit cards? Do you know six card handling skills?

In daily life, ordinary people will inevitably encounter many places that need money. If they don't have a lot of deposits, they can use credit cards to turn around. Although many of them are ordinary, they have high requirements for credit card limits. If they want to do it, they must do a high credit card. If you want to handle the card smoothly, you must first understand the conditions for handling the card, and then master the skills for handling the card. Let's have a look.

Conditions for ordinary people to apply for a credit card:

The basic requirements are relatively simple, reaching 18~65 years old and providing valid identity documents.

You must also have a stable job and income, and provide proof of work and income stamped with the financial seal of the unit;

No bad credit record.

Six ways for ordinary people to handle high credit cards;

1. Take good care of credit information: Good credit information can reflect the applicant's willingness and ability to repay, and it is a reference factor for the credit card limit. The better the credit information, the easier it is to gain the trust of the bank. In addition to not overdue, try not to let the credit record appear serious injury 3 months before issuing the card.

2. Provide true information: the information for applying for a credit card should be true and can be properly packaged, but don't pass it. For example, the annual income is based on the actual salary, and various welfare discounts and year-end awards of the company can also be added; For jobs, if ordinary employees have been employed for a long time, they can fill in a supervisor.

3. Reduce personal debt: Personal debt will reduce repayment ability, which is also a key reference factor for approving high-value credit cards. It is best to settle some credit card arrears and various small loans before handling the card, so that the personal debt is within 50%.

4. Asset strength wins: Strong assets can not only reflect economic ability, but also ensure repayment ability. If possible, you can apply for a card through an offline outlet, and provide the bank with proof of assets such as name, property, large fixed deposit or receipt of wealth management products, and it is very likely to apply for a high credit card.

5. Card application: that is, using a credit card of another bank for more than one year with a credit limit of not less than 30,000 as card application information. When applying for credit cards from other banks, they are usually approved with reference to the existing credit card quota, which is basically high, provided that there are no more than five credit card credit institutions.

6. Curve card: This refers to the credit card of the same bank. It requires that the first card is good, at least six bills should be issued, and the amount should be close to the maximum limit of the card level. Then, you can apply for a high-level credit card. For example, if the first card is a gold card, you can apply for a platinum card. If the card is approved successfully and the amount is high, the curve is successful.

How? Let's not talk about the introduction of high-value credit cards.