First of all, the credit card limit has little to do with how much money you have saved.

Banks have other auditing mechanisms.

Secondly, if so much money is a time deposit, you can apply for a diamond card and a platinum card.

Generally speaking, the amount of diamond card is 654.38+ million, and the amount of platinum card is 554.38+ million.

Finally, if you just want to overdraw your credit card, please give up this idea.