To apply for a large credit card, you must be able to provide sufficient proof of financial resources and meet certain conditions. So let’s take a look at what conditions must be met to apply for a large credit card worth 500,000 yuan in order to successfully apply for it.

What are the requirements for a large credit card worth 500,000 yuan?

1. Deposit: certificate of deposit, usually more than 200,000 yuan;

2. Property rights: real estate certificate , usually more than 1 million;

3. Car driving license certificate, more than 500,000;

4. Income: Proof of income, annual income is not less than 150,000, Civil servants, or heads of Fortune 500 companies.

The above conditions generally allow you to apply for a large-deposit credit card such as Diamond Card or Platinum Card. The limit is generally around 500,000, but it should be noted that the annual fee is usually around 1,000, and there are no discounts or exemptions.

When applying for a large-amount credit card, in addition to the ID card, work certificate, academic certificate, home address and other information required to apply for a general credit card, there are also financial certificates, driving licenses, real estate certificates, etc.

You can also provide credit history accumulated by credit cards from existing banks. Also, you need to pay attention to whether you have obtained a loan from a bank when buying a house in the past, whether you repaid it on time, etc. These are all helpful in increasing your credit card limit. In short, your financial resources and your credit are the prerequisites that determine whether you can get a large-limit credit card. In addition to the materials you need to provide yourself, the bank will also review and investigate them carefully during the credit review.

What should I do if my large credit card is overdue?

1. Interest-free installments. If the credit card is overdue for a long time and a lot of interest, liquidated damages and other fees have been incurred in the process, part of the interest and liquidated damages can be reduced through negotiation, and the remaining principal in interest-free installments can greatly ease the debtor's repayment pressure;

2. Interest-bearing installment. If the bank does not agree to waive or exempt interest, you can choose interest-bearing installments with a minimum monthly repayment amount. If you have money, you can exchange for more, or repay in advance;

3. Delay the settlement. If the cardholder does not have the funds to repay the card at this stage, he can choose to defer the settlement, which means to defer the repayment for a few years, and then apply for a one-time reduction or exemption for the settlement.

The requirements for applying for a large credit card worth RMB 500,000 are still very high. If you have met these conditions, it is recommended that you apply for a 500,000 large-amount credit card.