Generally, the initial amount of ordinary cards, gold cards and titanium cards of China Everbright Bank is less than 50,000 yuan. If users want to apply for a credit card (debit card) with a limit of 65,438+10,000 yuan, they can choose to apply for a platinum card or an unlimited card. Of course, the specific card approval amount is subject to the final audit result of the bank. The treatment method is as follows:
1, applied by official website.
Users open official website of China Everbright Bank and click "Credit Card (Debit Card)-Apply with Card-All Cards" to apply for the credit card they want.
2. Counterclaim.
Users can carry their ID card, real estate license, income certificate, work certificate and social security payment certificate until they go through the counter of any branch of China Everbright Bank. Each branch has different requirements for handling cards. Please consult your local branch for specific requirements.
3. WeChat application.
Users search and follow "China Everbright Bank" on WeChat. After entering, they can apply for the credit card (debit card) they want by clicking "Sunshine Fortune-More-Booking Credit Card" in turn.
4. Mobile banking applications.
Users open the mobile banking, and then click "Appointment Application Card-Credit Card" to apply for a credit card (debit card).
How to apply for a credit card of 654.38+ million?
1. If you have a credit card (debit card) with a credit limit of more than 50,000, and have used it for more than half a year with a good credit record, you can apply for another bank's platinum credit card (credit card) in the form of an application card. The general credit line will be above 50 thousand.
2. The bank takes the initiative to apply for a platinum card. Generally, they have business dealings with banks, such as mortgages or car loans, and their repayment records are excellent. The bank will take the initiative to contact and invite them to apply for a platinum card.
3. It is best to have certain assets and explain to the bank manager that there are some deposits that you want to deposit in the bank. It is best to have a credit card (debit card) with the same amount as the deposit.
However, the specific amount depends on the personal qualifications at the time of application and is determined according to the financial situation and credit situation of the applicant. There will be many reference factors, such as the nature of the customer's work, education, income, personal stability, personal assets, personal social credit, the use of other financial products and so on.
How to deal with 65438+ ten thousand credit cards
The threshold for applying for a credit card in China is really not high, and applying for a credit card is very simple. Of course, this mainly refers to applying for a universal card and a gold card. If you want to apply for a higher amount of platinum credit card, the conditions you need are of course very strict. However, as long as you can prove to the bank that you have enough financial resources, you can still get a credit card with a limit of 65,438+10,000 yuan.
First, apply for the credit cards of the four major banks.
1. First, the Bank of China was refused and the quota was raised once a year. You can't apply again until you fail for one year.
2. The interest-free period of Agricultural Bank of China is 56 days, and it will be withdrawn once in March. There is no upper limit on the withdrawal amount, which is worth having. What ABC credit card must not do: you can't withdraw cash at ATM, remember.
3. ICBC: once in March, if you have the ability to spend 1 week, I will give it to you, and the amount of good luck can be doubled several times. 56 days interest-free, and the installment fee is the lowest in the bank. Without ICBC's credit card, you are a layman.
The shortcut to get rid of the general situation: brush the contribution star. The specific method will not be disclosed.
Tip: You can't apply for platinum immediately after 6 stars, but you can apply for platinum for painting stars. Be careful of ICBC. If you find that you can't apply for 2 years, just get a gold card.
If the online application fails, you can apply again in a few months. You can carefully apply for the grey list every day. Black houses range from June to 2 years, during which you can't apply for any credit cards of ICBC.
4. China Construction Bank: once in June, between 50% and 60% each time. Ordinary cards and gold cards are the same level, with an upper limit of 6,543,800 yuan. Overpayment is free. Platinum card limit is 200,000.
Shortcut: I personally test, and the two cards are swiped separately, and the amount is withdrawn separately, so that it can be withdrawn once in March and 100% in half a year.
If you have more places to swipe your card, you can also apply for 3 or 4 cards. The theory is the same as above.
Tip: CCB likes small amount, multiple times, entity and occasional installment.
Apply for a platinum card with a quota of 30,000, and try to apply for a world platinum card with a quota of 1 50,000.
All banks have to pay a certain amount, and CCB is particularly useful: brush dollars. No matter how capable Haitao people are, they can also go to the Hong Kong Red Cross or UNHCR with nothing. A single transaction 1 HK$ is equivalent to more than RMB 8 cents. If you don't give up this eighty cents, congratulations, you are a miser and honestly brush the supermarket.
This depends on your own conditions, the number of brushes and the amount. If it is fast, 1 year can basically reach 65438+ 10,000. Two years slow, 654.38+ 10,000. Then go and get the card. In addition to the four major banks, many banks' credit card quotas will not be lower than those required by the four major banks to use other banks' credit cards for half a year or more. Only China Merchants Bank does not support credit cards.
At this time, the problem appeared again. The amount of ordinary cards in small banks will not exceed 65,438+10,000.
It doesn't matter, there is a way. You get a platinum card first, then a gold card, and then the quota is even. Ok, you have 65438+ million cards.
Platinum cards are generally valid for 5 years, so you can not return them first. After many banks cancel their cards, your quota is not 654.38+ 10,000.
Put the platinum card first, and then sell it five years later.
Note: Industrial Bank will charge an annual fee if it doesn't open a platinum card.
Bank of Communications Platinum needs to be invited and is not allowed to apply. How to replenish the amount of gold card and Puka card of Bank of Communications: the annual fee is free if you brush enough times, and you don't need it if you keep it.
The more the Bank of Communications uses, the less the amount will be raised, and the probability of raising the amount after freezing for half a year will be greatly reduced.
China CITIC Bank will apply for a Platinum Card with an annual fee of 2000.
Minsheng Bank Bai Hao has an initial quota of 654.38 million yuan, an annual fee of 3,600 yuan and a standard fee of 50,000 yuan. There is no annual fee. Minsheng Bank cannot apply for Bao Tong Platinum, and there is no interest-free period.
The secret of withdrawing cash from Minsheng Bank: curve method. Year of the snake has come, and the system has been upgraded. Now it seems that it is not working.
Ping An Bank's hidden overrun 10%. The shortcut to cash withdrawal is Ping An Mall, which is not explained here. Go to the corresponding plate yourself if necessary. This method is still effective.
How can I get a 65438+ million credit card?
Become a quality customer of the bank; Do Puka first and then raise the amount; Deal with cards with cards. I suggest you go to a bank outlet to apply for a card, submit 50,000 credit cards as information, and provide financial proof such as name, real estate and real estate. There is also a chance to approve100000 credit cards.
Extended data:
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Improve quota skills
Continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.
Pay attention to the credit card limit and temporary withdrawal
Pay attention to the credit card limit and make full use of temporary withdrawals.
Stick to the application and seize the opportunity to apply.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
Teach you to apply for a100000 credit card! These methods should be used quickly.
100000 credit card is the dream of many people, but it is not easy to realize. After all, the bank can give an applicant a credit card of 50,000 yuan, which is not bad if he wants a general qualification, but it is still useful to apply for a100,000 credit card as long as he has mastered some card handling skills. Today, I will teach you to apply for a100000 credit card. Let's have a look.
Teach you to apply for a100000 credit card.
1. Become a quality customer of the bank.
Usually, banks will only issue large credit cards with a limit of100,000 to our quality customers. For example, employees, executives or business owners of enterprises and institutions have a certain amount of assets in banks, or have purchased wealth management products, houses, cars, etc. Some of them will be invited by the bank to apply for a card instead of applying to the bank themselves.
If you are an employee of an ordinary enterprise, it is recommended to move bricks in the bank first, starting with 50 yuan, and then apply for a platinum card in the bank after you have saved enough fees to become a high-end wealth management customer of the bank. The number of cards you can get is generally not less than100000.
2. Make a Puka first, and then withdraw money.
Most people can't handle100,000 credit cards at a time, so we have to take two steps.
The first step is to set up a bank's ordinary credit card, such as Puka Gold Card. By constantly swiping the card, the credit card limit will be raised to the maximum limit of the corresponding level. After using the card for more than 1 year, you will develop a good card-using behavior, and then get a high-end credit card of this bank, that is, a curve card. If the card can be approved, it is possible to grant a line of100000.
3. Deal with cards with cards
In a bank, if you have a credit card that has been used for more than 1 year and is not less than a gold card, you can go to another bank to apply for a platinum card or above.
I suggest you go to a bank outlet to apply for a card, submit 50,000 credit cards as information, and provide financial proof such as name, real estate and real estate. There is also a chance to approve100000 credit cards.
The above is the introduction of "teaching you to apply for 100 thousand credit cards", I hope it will help you.
That's all about how to apply for a100000 credit card.