1. Choose the appropriate card application channel

Credit card application channels can be mainly divided into online and offline. If you want to apply for a large credit card, it is recommended to apply through the counter of an offline outlet and submit the prepared asset certificate to the bank as card application materials. The success rate will be greatly improved. As for the online credit card application channel, although it is convenient and fast, due to the small amount of information submitted, the application amount is generally not too high. However, as long as you pay attention to the applying bank, improve the overall score, and fill in the information in the application form, you can apply directly. A credit card with a limit of 50,000 is also very easy.

2. Optimize personal credit reporting

We must pay attention to the importance of credit reporting, because if it is overdue, it will definitely not work. If there are many credit reporting inquiries, it is recommended Optimize it before applying, so the success rate is higher. In addition, there is also the personal debt ratio. Before applying for a credit card, you can choose to cancel credit cards that are not commonly used to reduce your credit debt and improve the success rate of credit card applications.

3. Apply for a credit card with personal assets

If you have personal conditions, such as a house or a car, you can apply for a large credit card directly through the offline counter, but you need to pay attention. Yes, the house area must be greater than 80,000 and the car value must be greater than 300,000 before it can be submitted as proof of valid financial resources. This method is 100% easy to apply for a credit card with a limit of more than 50,000.

4. Apply for a credit card by deposit

For this method, it is recommended to choose China Merchants Bank to apply and directly make a current deposit of 500,000. Apply for the China Merchants Sunflower Financial Card within 15 days. Then after 15 days, apply for a credit card directly, and the credit limit will definitely not be less than 50,000.

5. Filling in the application materials

1. Educational qualifications: Those with academic qualifications must fill in the highest academic qualifications. Do not omit or fill in the lower academic qualifications.

2. Marital status: Banks prefer married people. Under the same conditions, the approval rate and initial credit limit of married people will be higher.

3. Industry: Banks prefer industries with high consumption and stable work. It is often easier for employees of government agencies and large enterprises to apply for cards than employees of ordinary enterprises, and the credit limit will be higher.

4. Financial ability: You have a savings card in the bank, and there are certain conditions such as savings and current flow in the card to prove your financial ability. The more, the better. If not, proof of income, real estate, and vehicle are also required. Can add points.

The above methods are based on my own experience and the sharing of work type Hao Xiaoqin Shuoka. I hope they will be helpful to you!