At present, all banks can handle more than 50,000 credit cards, and the credit cards with a quota of 50,000 belong to larger credit cards, which are generally above the platinum card level. If it is difficult to apply for the first time, users can provide property certificates such as real estate, business and running water to improve the success rate of application. To apply for a credit card with a quota of more than 50,000, in addition to meeting the most basic conditions, factors such as the applicant's marital status, whether the applicant is registered in this city, and the applicant's education level should also be considered.
To apply for a credit card with a credit limit of 50,000 yuan, the requirements of major banks are slightly different. Take ICBC Platinum Card as an example. Applicants who meet one of the following conditions may apply for a platinum credit card with a credit limit of more than 50,000 yuan:
1. The average daily deposit of the applicant in China Industrial and Commercial Bank or other banks for more than half a year is more than 500,000 yuan;
2. The applicant has a credit card of ICBC or other banks, with an annual consumption of 654.38+10,000 yuan and above, and the number of swipes is 24 times;
3. The applicant is a senior leader and financial officer of the party and government organs, social organizations, financial institutions, large enterprises or enterprises with good economic benefits; Or recommended by the leaders at or above the division level of ICBC or the person in charge of the card issuing institution, or the management personnel at or above the deputy division level of the Bank.
How to apply for a 50,000 credit card?
The first method: proof of assets
Although we are not luxurious, if you have certain assets, such as a house 150 flat, a car of more than 300,000 flat, a deposit of more than 500,000, and an annual salary of more than150,000, you can apply at the bank counter with the asset certificate, and it is best to apply for a platinum card, because the maximum amount of a Puka gold card is only 50,000.
The second method: use the card to handle the card.
It doesn't matter if you don't have valid proof of assets. It's just that you need to raise a 50 thousand yuan card first. It is suggested to get a China Merchants Bank card first. It is no problem to get a card 1 10,000, and then 1 year basically reaches 50,000. After that, you can start to use the card to do the card.
At present, the banks that support credit card processing are: China Bank, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank.
What you need to pay attention to when handling cards with cards is:
1 It's better to use a credit card 1 year or more;
2 It is best to go to the counter, which basically does not support online application;
3. The current available credit limit of the card held by the card should be kept at least above 30%, preferably above 60%;
4 you can't use a credit card with a bad credit record;
You can't use a credit card that is paying in installments or with the lowest repayment amount.
The third method: bank characteristics
1 provident fund
The provident fund has been paid for more than 1 year, and the industrial and commercial credit card has a bonus. Even if the amount of the card is not high, you can directly withdraw the amount through the gold flash loan. Depending on the amount of provident fund, the increase amount is 6 times, 8 times or 16 times of the amount of provident fund; As long as you have a provident fund of more than 1 year, it is normal to withdraw more than 50,000 yuan per second.
2 insurance policy
If you buy Ping An insurance, you can pay more than 30,000 yuan a year, and you can apply for a platinum card of Ping An Bank, and the amount will not be less than 50,000 yuan.
3 time deposit
ICBC timely deposits 50,000 yuan, applies, re-deposits, re-pledges, repeatedly deposits to 200,000 yuan, and then applies for a credit card.
Which line of ICBC credit card is higher?
Among ICBC credit cards, Platinum Credit Card is the best and has the highest credit limit. The maximum credit limit of users can be as high as 200,000 to 6,543.8+00,000, which is several times higher than that of ordinary credit cards, because the credit limits of ICBC's ordinary credit cards and gold cards are usually below 50,000 yuan, while those of ordinary credit cards rarely reach tens of thousands of yuan, while those of platinum cards are usually above 5 yuan.
Platinum credit cards in ICBC credit cards belong to a higher level, and cardholders can enjoy many exclusive benefits and services, but the annual fee of platinum credit cards is generally higher. For example, ICBC's platinum credit card has a maximum amount of 200,000 yuan and an annual fee of 2,000 yuan, and it must be swiped 200,000 yuan every year before it can be reduced or exempted.
The above is the answer to which credit card of ICBC is high. I hope I can help you. There are many types of credit cards in ICBC, and the amount of credit cards is also estimated according to the types and user qualifications. It depends on the detailed data when you apply for the card.
Among ICBC's many credit cards, relatively speaking, ICBC's platinum credit card has a higher quota. At present, the general credit card limit of ICBC is 0-50 thousand yuan; The gold card amount is 15000-50000 yuan; The amount of a platinum card is more than 50,000 yuan. Platinum card not only has a high amount, but also enjoys many rights and interests.
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I. Types of Credit Cards of Industrial and Commercial Bank of China
Credit cards are usually divided into different categories according to different brands, different objects and different grades. Let's take a concrete look at the types of credit cards of ICBC.
1. ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand;
2. According to the credit rating of ICBC credit cards, they are divided into platinum cards, gold cards and ordinary cards;
3. According to the issuing object of ICBC credit card, it is divided into business card and personal card, in which personal card is divided into main card and auxiliary card.
4. According to the currency of ICBC credit card account, it can be divided into RMB card, dual-currency card and multi-currency card.
Two. Icbc credit card limit
The credit limit of any credit card is that the bank scores the applicant's application conditions, application materials and credit records, and gives the applicant a certain amount according to the corresponding score. Generally speaking, the ordinary card amount is 3000~ 10000, the gold card amount is 10000~50000, and the platinum card amount is more than 50000. How much you can get in the application depends on your comprehensive strength.
What are the advantages of ICBC credit card?
Advantages: 1: All local banks of ICBC credit cards are free of handling fees;
Advantage 2: ICBC has many outlets, and the card types meet the needs of all kinds of people;
Advantage 3: There are three options for consumer passwords: no password is required for all transactions; All transactions require a password; A password is required for transactions exceeding the limit.
Advantage 4: All ICBC credit cards are charged on a natural monthly basis, which is easy to remember.
Advantage 5: ICBC has a variety of credit cards, including quasi-credit cards, RMB credit cards and dual-currency credit cards (USD, EUR, HKD); VISA, MASTER, AE and UnionPay standard cards are available.
Is it true that you can handle 50 thousand with ICBC's credit card?
Please check whether the message is sent for ICBC 95588, and be vigilant to avoid being cheated. You can also call 95588 for manual consultation and verification. If you need to apply for a credit card, it is recommended to do so through official channels such as ICBC online banking or mobile banking and business outlets. Don't entrust others or illegal intermediaries to handle credit cards to avoid personal data being stolen.
The initial credit limit of a credit card is the result of approval by ICBC according to your personal credit status when you apply for a card. After the credit card is activated, you can check the credit card limit through ICBC. After using the card for a period of time, you can also apply to ICBC for adjustment according to your own needs.
Tips:
1. If you receive a fraudulent SMS, please don't believe the content of the SMS, and don't log in to the URL in the SMS and enter any information.
2. ICBC's customer service telephone number is 95588, platinum card line is 4000095588, and VIP line is 4006695588. Please don't call other phones for business.
(Answer time: 2065438+June 6, 2009. In case of business changes, please refer to the actual situation. )
What's the difference between ICBC credit card, gold card and platinum card? Which is better?
Puka generally refers to a credit card with a credit limit of less than 1 10,000, while gold card generally refers to a credit card with a credit limit of 1 to 50,000. The platinum card you mentioned should be a platinum gold card, and the general credit limit is above 50,000.
The main difference is that the credit line and preferential treatment are different. The credit limit of Puka is about 5,000 yuan, and the credit limit of Gold Card is 1-5w, so you can enjoy the priority service of outlets and online VIP treatment. And the Platinum Card is 5W-65,438+000W, which is the highest credit card in ICBC. There is no handling fee for card replacement, loss reporting, transfer and remittance, remote deposit and withdrawal, aviation accident insurance with a maximum of 400W, and VIP treatment at the airport.
What's the difference between having money and not having money on ICBC's credit card? The limit is 50,000, and all the cards that are not available are silver cards.
A credit card with the word gold is a credit card gold card. Generally, the annual fee of a gold card is higher than that of an ordinary card, and the use method is the same as that of an ordinary card. In addition, you may enjoy more preferential treatment when carrying out some activities, and you can enjoy the quality service provided by ICBC VIP line 4006695588. It is recommended that you dial 95588 for manual service to verify the grade of another card.
(Answer time: 2065438+May 27, 2009. In case of business changes, please refer to the actual situation. )
This is the end of the introduction about what ICBC 50,000 credit card is and what ICBC 50,000 credit card is. I wonder if you have found the information you need?