What conditions need to be met to apply for a credit card (debit card) with a limit of 50,000?

Credit cards (credit cards) with a limit of 50,000 are generally gold credit cards (credit cards) or platinum credit cards (credit cards). If you want to apply for these two types of credit cards (credit cards), users must Applicants need to be 18 years old, have good personal credit, have a stable job and income, and be able to submit valid financial documents. Documents proving financial resources include property rights, motor vehicle registration certificates, personal tax certificates, etc.

Only users with excellent credit qualifications can apply for a credit card (debit card) with a limit of 50,000. Otherwise, even if you apply for a gold card or platinum card, the actual approved credit limit may be less than 50,000.

How to apply for a credit card with a limit of 50,000? Take a look at these two methods

Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks are relatively more difficult. Say bigger. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

How to apply for a credit card with a limit of 50,000?

How to apply for a credit card with a limit of more than 50,000?

1. Proof of assets:

Although most of us are not rich, many people should still have certain assets. For example, a house of more than 150 square meters, a car of more than 300,000 yuan, a deposit of more than 500,000 yuan for financial management, and an annual salary of more than 150,000 yuan are paid attention to.

As long as you meet any of the above conditions, you can go directly to the bank counter with these asset certificates to apply for a card. Remember to apply for a platinum credit card when the time comes, because the limit of a regular card or a gold card is generally upper limit. That's within 50,000.

2. Apply with a credit card:

It doesn’t matter if you don’t have a valid asset certificate, but you need to first develop a credit card with a limit of more than 50,000, and then Directly apply for a large-limit credit card by applying for a credit card, and the credit limit will definitely be higher than the original card limit.

The banks that currently support card application include: Bank of China, Communications, Shanghai Pudong Development Bank, China Everbright, Huaxia, Industrial, Ping An, and Guangfa.

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When applying for a card with a card, we need to pay attention to:

The first point: your existing card is the most The good thing is that it has been used for more than a year

Second point: The current available limit of this card should be at least 30%, and 60% or more is the best.

The third point: This card cannot have bills that are being installmentd or the minimum payment cannot be used

The fourth point: It is best to go to the counter to apply, because online application is basically the same. None of them support card application.

3. Bank characteristics:

Those with provident fund:

If you have paid provident fund for more than one year, there is a bonus for applying for an ICBC credit card. Even if the credit limit is not high, we can increase the credit limit through Gold Flash Loan after purchasing the card. The increase is 6 to 8 or 16 times the amount of provident fund payment.

As long as you have a year's provident fund, it is very simple to raise more than 50,000 in seconds.

Those with insurance policies:

If you have Ping An Bank’s insurance and the annual payment is more than 30,000 yuan, you can directly apply for Ping An Bank’s platinum credit card with a limit of at least 50,000 yuan. above.

Time deposit:

ICBC time deposit of 50,000 yuan, you can apply for re-deposit and then pledge, repeated fixed deposit of 200,000 yuan, and then apply for a credit card, the limit will not be less than 50,000 yuan . But this method has certain requirements and also tests skills.

Finally, I hope everyone can get their own large credit card. I'm Xiao Zhou and I share the latest knowledge and techniques every day.

How to apply for a credit card with a limit of 50,000?

1. Industrial Bank: The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for a card, but generally you need a sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.

2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.

3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.

4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.

That’s it for the introduction to applying for a 50,000-limit credit card.