What is a large-amount credit card? A large-amount credit card, as the name suggests, is a credit card with a high limit. Generally, the limit of ordinary bank cards and gold cards is capped at 50,000. If you want to increase the limit, you can only apply for a higher-level credit card. Large-deposit credit cards are generally platinum cards or black gold cards, with limits of hundreds of thousands or even millions. For example, the China Merchants Bank Unlimited Card has a limit of up to 5 million, and the credit limit can be intelligently adjusted based on the cardholder's consumption and repayment status.
What are the requirements for applying for a large credit card?
1. People with good credit records. The quality of personal credit records can not only affect the approved credit limit, but also directly determine the application for a credit card. Whether it is approved or not will have a more profound impact on the bank's other credit businesses. If a card applicant has no overdue record within 5 years, it is equivalent to telling the bank: Not only does he have high spending power, he also has strong repayment ability. This type of person applies for a large credit card and has a high chance of getting the card.
2. Stable people For banks, "stable people" are the most important thing for banks. Only by ensuring that card applicants have stable jobs and incomes, and even stable families, can banks feel confident in approving large credit cards. . No one wants to have a last meal without a second meal. A long-term and steady flow of money is the way for banks to make money, and banks are more confident in providing large amounts of funds to overdrafts for such people.
3. High-income people High-income people are confident enough to apply for large credit cards. This type of people are most popular with banks, and their applications for large-value cards are almost always approved. From a bank's perspective, firstly, they have strong spending power, and secondly, they have the ability to repay large credit cards during use.
4. Preferred Persons The professional nature of card applicants is also one of the basis for banks to issue large-value credit cards. High-income industries such as finance, doctors, lawyers, managers of state-owned enterprises and government agencies are most likely to be approved. Large credit card. The reason is simple. The income level and repayment ability of this type of practitioners are much higher than the average level.
5. Potential stocks Why are banks willing to issue large credit cards to potential stocks? It is precisely because there is consumption potential that banks will spend time cultivating it. In the future, when people with potential stocks become the main force of consumption, banks will begin to make money. This type of people will be the most competitive chips for banks.