Many friends who apply for a card for the first time often don’t have a very high limit, and it takes a long time to slowly increase the limit. Is there any way to apply for a high-limit credit card from the beginning? Let’s take a look at these details that need to be paid attention to.
How to get your first credit card with a high limit
1. Choosing the right bank is very important
Each bank has different thresholds for getting a credit card, and some are relatively easy. When playing cards, the probability of playing some cards is much smaller. Therefore, when applying for a credit card for the first time, it is very important to choose the right bank. Be sure to choose a bank that is easy to apply for a card. Try to get your first credit card first, and then slowly upgrade it later.
Generally speaking, commercial banks have more types of credit cards and are easier to apply for, such as China Merchants Bank, CITIC, Guangfa, Shanghai Pudong Development, Everbright, Industrial Bank, Minsheng, etc.; it is not recommended to apply directly to several major state-owned banks. credit card.
2. Choosing the right card type is very important
In addition to choosing the right first bank to apply for a card, it is also important to choose the right card type. Generally speaking, the higher the credit card level, the higher the corresponding limit and benefits. However, the higher the credit card level, the more difficult it is to get a card.
Small Finance recommends that you start by applying for a regular card or a gold card when applying for a card for the first time. In addition, at each stage, banks have their own main card types, and it is often easier to apply for the main card types.
3. Details are important
In addition to assets, you must also pay attention to some details. For example, whether there is a fixed telephone number in this city, whether this number is registered in your own name or the name of a family member, it is best to fill in the contact information of the company where you work, whether you are married and whether your mobile phone number has monthly rent, and whether it is for this city. City household registration, etc. The bank will decide whether to increase the applicant's credit evaluation based on these comprehensive conditions.
4. Provide sufficient card application materials
Friends who are applying for a card for the first time may still have no credit account. In this case, you need to let the bank see that you have sufficient financial support. And good credit certificate, in this case, the bank will be willing to issue you a card.
How to choose your first credit card
1. Choose based on use
The first principle of choosing a credit card is: your own preferences and common uses. For example, if you like to travel, you can choose airline cards launched by various banks for aviation.
2. Choose based on the limit
When you apply for a credit card for the first time, remember not to blindly pursue a high limit. You should choose according to your own situation. Credit cards are for advanced consumption. If you accidentally use too much, you will not be able to use it. It will be troublesome if it affects your credit report.
3. Based on the card issuing bank
When applying for a credit card for the first time, it is recommended to choose a bank with a lower application threshold, such as Guangfa, Shanghai Pudong Development, CITIC, Bank of Communications and other card issuing banks. In addition, try to choose a salary card Go to a bank to apply for a credit card. If your salary card is from China Construction Bank, you can go to CCB. This will greatly increase the success rate of card application.
The above are the details you need to pay attention to when applying for a credit card for the first time. I hope it will be helpful to everyone.