Large credit card application

The two most effective methods

One of the most effective methods: submit proof of property.

For large credit cards, the choice of bank credit cards is irrelevant. What matters is whether your real estate license meets the regulations of this bank.

Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

However, the bank does not accept the vehicle ownership certificate.

Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.

The second most effective method: using cards to handle cards.

It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.

To apply for a large credit card, according to the standards of the bank scoring system, share some conditions, have a good credit record, have a superior career, have a stable income and a high deposit.

If the recommendation card can't be made, you can only spend money to find someone.

Doka, take it.

Now, you can find

Me.

2. Can I borrow money from the newly opened Alipay?

First of all, let's take a look at Alipay's current borrowing methods: flowers, borrowing, and online business loans. Before introducing these lending methods, let's first understand Alipay's criteria for judging a person's credit: sesame credit (sesame score)

Sesame Credit: An independent third-party credit reporting agency under Alipay Ant Financial Services objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services to users and merchants in hundreds of scenarios such as credit card, consumer finance, financial leasing, hotel, renting, tourism, marriage and love, classified information, student service and public service.

Composition of sesame credit score:

Credit records: past credit account repayment records and credit account history;

Behavioral preference: preference and stability in shopping, payment, transfer, financial management and other activities;

Performance ability: stable economic sources and personal assets;

Identity: sufficient and reliable personal basic information left in the process of using related services;

Personal relationship: the identity characteristics of friends and the degree of interaction with friends.

The above-mentioned borrowing methods have a lot to do with Sesame Credit. First of all, you should look at your sesame credit when you open Alipay. By using the payment bar to pay, pay living expenses, credit card repayment, add friends with high sesame scores, purchase wealth management, purchase insurance, balance treasure, etc., and constantly improve your sesame credit.

Here is a brief introduction to the commonly used lending methods of Alipay:

1. Bai: The full name of Ant Flower Garden is a consumer credit product launched by Ant Financial, a subsidiary of Alipay. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.

2. Borrowing: Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

3. Online business loan: online business loan-online business bank loan product (formerly Ant Micro-loan, Ali platform), focusing on loan financing services for small and micro enterprises, individual consumers and rural users, pure credit, unsecured, lightning loan, repayment at any time, up to 24 months.

4. At present, there are some financial lending products and credit cards with third-party loans in Alipay. Some of these financial companies and banks will also refer to the score of Sesame Credit and give a reference standard for whether to lend.

At present, it is still recommended to open Alipay users. After a period of credit accumulation, there will naturally be corresponding loan lines.

Third, can I get a loan from the new credit card?

Is the loan ready?

4. Can I get a loan from my new credit card?

No, it will take at least three months. Counter processing flow:

Go to the bank outlets that handle credit cards, or find the staff of the credit card center of the local Construction Bank. The credit information filled in generally includes the name, basic information, economic status or income of the applicant;

Submit a specific copy of the certificate and

After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted when submitting;

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have his signature;

Process basis for processing credit cards