How to apply for a large-amount credit card
Everyone applying for a credit card hopes that their credit card limit will be as large as possible, but many cardholders report that their card limit is only a few thousand. , so how can I apply for a large credit card? Today Xiao Qin will share with you some special tips on how to apply for a credit card with a limit of 30,000 to 50,000 yuan. As long as you are a cardholder with a normal credit score, you can apply for a large credit card with this limit. Let’s take a look at how to do it!
1. Integrate personal information
Before applying for a credit card, you must first understand your personal situation. Each bank has different application standards. You must first integrate your Personal information, whether there is any bad credit report, workplace, whether there is a check-in salary, whether there is turnover, whether you have assets in which bank, etc., choose the bank card type that suits your conditions to apply. Many card friends often see After others apply for a large-value card, they blindly follow the trend and apply without understanding their own personal situation. Most of these results will be rejected, so it is important to understand your own personal qualifications.
2. Fill in the application form
Filling in the credit card application form is an important factor for the bank to judge your card application. How to fill it out is very important. Therefore, on the basis of ensuring the authenticity of the information, it is necessary to beautify the information to a certain extent. For example, when filling in the income level, you can add social security on an after-tax basis. Provident fund, year-end bonus and various benefits; it is best to fill in the landline number of the work unit, etc. for the contact number.
3. Choose the right bank card type
1. If you have assets in each bank, then choosing this bank will get twice the result with half the effort. If you have no assets, combine your personal situation, such as a bank that punches in and pays wages, a bank with deposits, a bank with financial management, a bank with regular flow. These business dealings will increase your internal score in this bank, thus improving the success of card application. Rate and limit;
2. If none of the above conditions are met, it is recommended to choose the second and third grade banks that are better for issuing cards, such as Communications Pudong Development Bank, etc. You can apply at branches or online. Before applying, apply for a savings card from the target bank and create an effective overnight interest settlement flow of the savings card for 7-45 days. If the cash flow is small, use 2-3k cash and create an effective overnight interest settlement flow of 50,000. Generally, No problem if you have a card worth 3-50 thousand dollars
4. Don’t apply for loans frequently
Whether you are applying for a credit card or financing, don’t apply for credit cards and financing platforms from many banks at the same time in a short period of time. It will directly cause your credit report to accumulate too many inquiries (what we usually call credit report expenses), which will directly affect your card application success rate and card withdrawal limit; if you have already spent money on it, stop applying and rest for 3 seconds. Months later, we simultaneously reshape the credit report according to the credit report optimization techniques, isolate the previous failed application records, and then apply for the card according to the method mentioned above, so that we can successfully apply for the card.
How to apply for a large-amount credit card?
If you want to apply for a large-amount credit card, your personal qualifications must be good, and you can provide as much asset and financial documentation as possible, such as real estate, cars and other fixed assets. Relevant documents, social security withholding vouchers, and bank time and demand deposits can all be submitted.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
How to apply for a large credit card
The review criteria for bank credit card limits include personal credit record, personal property and income level, technical title and work unit, education level, marital status, etc.
Therefore, the prerequisites for applying for a large-amount credit card can basically be summarized as a good credit record, and preferably a high degree of education, high income and a high position.
How to apply for a large-amount credit card
1. Choose the right bank
If you meet the above conditions for applying for a large-amount credit card, then your salary card Just go to the corresponding bank to apply for a credit card, and tell the bank that you want to apply for a large-amount credit card. The bank will most likely approve a large-amount credit card.
2. Negotiate with the bank when applying for a card
In fact, many banks have card application tasks every year or every quarter. Therefore, when you go to a bank to apply for a credit card (especially a relatively small bank), you can negotiate with the bank staff and deposit more money in the savings card of the corresponding bank, and you may be approved for a credit card with a large amount. .
3. Conduct business transactions with banks
To apply for a large credit card, you can also make a deposit (more than 50,000 yuan) in the bank or purchase the bank's financial products before applying for the card. In this way, after establishing business relationships with the bank, the success rate will be relatively high when you apply for a credit card with a large amount.
4. Apply for a card by recommendation
This is a shortcut method of applying for a card, that is, go to the bank to apply for a credit card after being recommended by a friend who has a high-end card. This can be seen as With the endorsement of high-end card friends, the bank will most likely handle a large credit card for you.
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.
Tips on how to apply for a large-amount credit card
What should I do if I want to apply for a large-amount credit card and the credit limit is increased, but I don’t know how to apply? Don’t worry, I’ll teach you step by step how to apply for a large credit card. In addition to having various financial certificates, credit certificates, and technical certificates to protect you, when applying for a large credit card, you must fill in the credit card application form in as much detail as possible. When choosing a card, you must know the difference between a gold card, a platinum card, and a platinum card. The credit limit of ordinary cards is very different, and different occupations will also affect whether you can apply for large credit cards, etc.
Knowing so much, are you still worried about not being able to apply for a large credit card?
Tips for handling large credit cards:
1. Various financial certificates, credit certificates, and technical certificates will protect you
Provide as much personal information as possible Proof of financial resources, such as income certificate, mortgage purchase certificate, car ownership certificate, house ownership certificate, bank deposit certificate, securities certificate, etc. Make sure to repay your loan in full and on time, and don't overdue it so that you have a good credit record. Provide attachments to the bank, such as real estate certificates, travel books, credit card statements from other banks in the past three months, academic certificates, technical level certificates, individual business licenses, corporate business licenses, etc., so that the bank will respond accordingly. According to these attachments, the quota will be approved to be higher.
3. Tips on card selection. The credit limit of gold card, platinum card and ordinary card is very different.
Different credit card levels have different approval limits. Ordinary cards are generally 3000- 8,000 yuan, 8,000-50,000 yuan for gold card, and more than 50,000 yuan for platinum card, 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.
4. How many points can your occupation add to you
Based on the applicant’s grasp of the industry department to which he is employed. First, let’s look at the industry. Banks tend to prefer industries supported by the government. If your industry does not have a particularly clear concept and is close to a variety of industries, it is best to select industries with large profits or government support, such as importing and exporting. Export trade. When selecting the nature of the unit, it is best to select large state-owned joint-stock companies, and the number of employees is also better. If the department you work for is not checked and you need to fill it in by yourself, then use my country's extensive and profound writing skills to cleverly avoid the sales department, which is the department that the bank is more disgusted with. For example, sales department can be written as business department, and sales specialist can be written as clerk. The thinking should be active. If you want to apply for a higher quota, don't be dull.
How to apply for a large credit card? Learn these tricks!
When ordinary people apply for a credit card, the approved limit is generally not high, around tens of thousands or ten thousand, which is not enough for many people. So someone asked me how to apply for a large credit card. I will briefly explain it below. I hope it can be helpful to everyone.
1. How to apply for a large credit card?
Specifically, it can be divided into two categories of people, one is users who have never applied for a credit card, and the other is users who have already applied for a credit card.
1. Never applied for a credit card: It is more difficult for these people to apply for a large credit card. In addition to providing proof of their monthly salary and income, they also need to provide proof of relevant assets, such as cars, Houses, large deposit certificates, etc. In addition, advanced academic certificates, personal technical level certificates, etc. can be provided, which can increase the card approval limit to a certain extent.
2. Already applied for a credit card: You can bring the previous credit card slip and apply for the card with the card. On the premise of providing asset information and using this as supporting conditions, it is still very promising to apply for a large number of cards. amount of credit card.
2. Which banks have large credit cards?
BoCom’s Y-POWER not only has a high credit limit, but also has a 100% cash withdrawal ratio; there are also China CITIC Bank’s JD Little White Card; Everbright Douyin Platinum Card, etc., all of which have relatively high credit limits.
The above is the answer to "How to apply for a large-amount credit card? Which banks have large-amount credit cards?" Generally speaking, large-deposit credit cards have higher threshold requirements for applicants. In addition to meeting the basic conditions, personal assets, credit, etc. must also be excellent, so that you have a chance to apply. If you think you are suitable, you can try out at banks such as China Merchants Bank, China Everbright, and Industrial and Commercial Bank of China.
That’s it for the introduction of how to handle large-amount credit card transactions.