You cannot apply for a credit card worth more than 100,000 yuan to buy anything. To use it for more than 100,000 yuan, you need to own a local house and have a house certificate, or have a car with more than 300,000 yuan in your name, or have a deposit of more than 1 million yuan and be in the bank. If the account has been in the account for more than 6 months, generally the bank will not handle it if you rely on cash flow or stocks and securities, etc., which are unstable assets.