How to get a high-limit credit card? Just master these tips

In normal times, many people will apply for a credit card. It can make our consumption more convenient, but when applying for When it comes to credit cards, many people want to have a card with a higher limit, so how to get a credit card with a high limit? What skills are needed? I will give you a detailed introduction below.

When users want to apply for a high-limit credit card, they must submit proof of financial resources, such as provident funds, bank deposits, bank financial products, vehicle information, real estate information, etc. After submitting this information to the bank, they can apply for a high-limit credit card. , the limits given by different banks will be different when placing a card.

When applying for a high-limit credit card, the user's credit report must be good, otherwise the bank will not approve the high-limit credit card, even if the user submits proof of financial resources. When applying for a credit card, the card limit under different application channels is also different. When applying for a high-limit credit card, it is best to go through the bank counter.

When applying for a credit card at a bank, you should learn more about the benefits included in the card. Generally, choose a credit card that saves more money on daily consumption. Moreover, the bank has a wide range of card types, and users can choose the appropriate card type according to their actual situation. At the same time, you can compare between different banks when applying.

The credit card applied by the user can be activated and used after receiving it, but the transaction password and query password must be set during activation. After setting this, you should keep it in mind and avoid leaking the transaction password. If the transaction password is accidentally leaked, it is likely to cause credit card theft and cause certain losses to individuals.

When users use credit cards for consumption, they must not exceed their personal burden to avoid being unable to repay on time after use. If you have difficulty repaying the loan, you can use installment repayment or the minimum repayment amount. This repayment method can reduce the monthly repayment amount, but it requires a certain handling fee. [img]

How can I get a credit card with a large limit? These three methods are more effective

The credit card limit determines the level of overdraft consumption. Many cardholders want to have a credit card with a large limit, but they don’t know what to do. In fact, applying for a large credit card is not something that can be done casually. You must first make sufficient preparations, and then you must master the method.

How can I get a credit card with a large limit?

1. Make preparations well

Check your credit and see if there are any bad records, such as if you are currently overdue, or have been overdue three times in a row or six times in total in the past two years. Just don’t try it. It is best to have no bad credit. Then check the credit card to see how much unpaid debt is. It is best not to let the debt ratio exceed 50%. Once you have done these things, you can apply for a card.

2. Tips for applying for large-amount credit cards

Choose banks with low thresholds and generous credit limits. If the four major state-owned banks do not have certain economic strength, it is better not to try, like Minsheng You can try it with banks, Industrial Bank, and Guangfa Bank. There are three most effective methods:

1. Submit proof of financial resources: Large credit cards have high limits and have certain requirements for the applicant's assets. For example, the Minsheng Standard Platinum Card has a starting limit of 40,000, and you must own a property worth at least 800,000. If you can provide proof of the property in your name, it will be easier to get a large-denomination card, and Minsheng will also recognize the house that is being repaid.

2. Apply with a credit card: This is the most effective way to apply for a large credit card. You need to provide a credit card with a usage period of more than 1 year and a limit of more than 30,000 as card application information. If you apply for a credit card from another bank, under normal circumstances, the credit limit that can be applied to the card will be higher than that of the original card, provided that the original card has good card usage behavior.

3. Curve card application: Get a large-value card by applying for second or third cards. The premise is that the first card must have at least 6 months of bills and good card usage behavior. The credit card level you apply for is higher than the first card. For example, if the first card is a gold card, apply for a platinum card.

How to apply for a large-limit credit card?

For many cardholders, the higher the credit card limit, the greater the amount of overdraft consumption, so more and more people are looking forward to it. A credit card with a large limit. However, dreams are beautiful, but reality is too harsh. Large credit cards are not something you can just apply for. However, as long as you master some card application skills, you still have a chance to apply.

First of all, let’s understand what a large-limit credit card is.

As the name suggests, large-limit credit cards refer to credit cards with high limits. So, what is the maximum limit? Here, we have to start with the level of the credit card. After all, different credit card levels have different limit ranges.

Credit cards usually have regular card, gold card, platinum card, diamond card, unlimited card and other levels. The limit of regular card generally does not exceed 10,000 yuan, the limit of gold card is between 10,000 and 50,000 yuan, and the limit of platinum card is between 10,000 and 50,000 yuan. The starting credit limit for credit cards of levels above is 50,000 yuan.

It can be seen that large credit cards usually refer to platinum cards and above.

So, how can you apply for a large-limit credit card?

1. Submit substantial proof of financial resources:

For large credit cards, the choice of bank is irrelevant. The key lies in whether the property certificate complies with the bank's regulations. Proof of financial resources generally refers to proof of real estate, cars, financial products, etc. in one’s name.

Take Minsheng Bank as an example. Its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

2. Apply for a card with a card

Applying with a card is the most effective way to get a large credit card. Many cardholders use a credit card that has been used for a long time. As proof of financial resources, you can obtain a credit card with a larger credit limit. Of course, there are still conditions for applying for a card with a credit card.

Taking Minsheng Bank as an example again, cardholders who want to apply for a card must have a credit card with a limit of more than 40,000 and have been used for more than half a year before they can get a standard platinum card. To apply for a deluxe platinum card, you need to have a credit card limit of more than 80,000, and for a diamond card, you need to have a credit card limit of more than 150,000.

High-limit credit card application guide

Generally, the conditions for applying for a high-limit credit card are as follows:

1. A natural person with full civil capacity and repayment ability.

2. Aged between 18 and 65 years old.

If you want a high limit, the first choice is gold card or platinum card

Different credit card levels have different approval limits. Regular cards are generally 3,000-8,000 yuan, and gold cards are 8,000-50,000 yuan. , Platinum card is more than 50,000, but the specific amount depends on your financial proof and personal credit status and other information. Therefore, if you want to apply for a large credit card, you must first choose gold card or platinum card.

If you are not a wealthy person, the gold card is more suitable. The annual fee for the platinum card is thousands of dollars per year, and most of them cannot be waived. The gold card can generally be waived if you top up a few times a year. Annual fee. If you are a wealthy owner, then the Platinum Card can definitely meet your demand for credit limit. The Platinum Card can also enjoy many high-end services.

Proof of financial resources

Good personal credit record

Good personal credit record is conducive to high-value credit card applications. Make sure you repay your loan in full and on time, and don't overdue it to give yourself a good credit rating.

Tips for filling in forms

When filling out a credit card application form, its content will directly affect the bank’s rating for us. The higher the rating, the higher the approved limit will be.

1. How much income: the higher the income, the higher the bank’s credit score will be for you;

2. Do you have a fixed telephone number in this city: Have a fixed telephone number in this city A phone call indicates that your place of residence is stable, which will increase the bank’s credit evaluation score;

3. Whether you are married: the score of being married is higher than that of being unmarried;

4. Whether you are married City household registration: The score of household registration in this city is higher than the score of household registration in other places;

5. Whether to have a house: the score of owning a house is higher than that of not having a house, and the score of self-living is higher than that of living with parents;

6. Educational level: graduate students are higher than undergraduates. The higher the education level, the higher the score;

7. Nature of the work unit: the more stable and well-known the work unit is, the higher the score, such as a public institution , large state-owned enterprises and Fortune 500 companies all have relatively high scores;

8. Position status: the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

That’s it for the introduction of how to apply for a high-limit credit card.