The credit cards of the four major banks are the most difficult, and the amount is also the most difficult to increase. Therefore, relatively speaking, the credit card quotas of China Merchants Bank, Bank of Communications, China CITIC Bank and China Guangfa Bank are higher than those of ICBC and China Construction Bank.
What conditions should be paid attention to for high-value credit cards?
1. Credit history: Credit history can be said to be the main factor considered by banks. If a person has no credit, why can a bank trust you and give you a high credit card? So the bank will check the applicant's credit record online. If the applicant has a bad record, the bank will generally refuse. If the credit record is good, the amount can be raised smoothly.
2. Education: Although it cannot be said that people with high education will be excellent, the level of education is directly related to people's quality. Generally speaking, the credit card rating of high school and college education is the same, while those with graduate education or above will get a higher rating and the corresponding amount will be higher.
3. Title: A good and stable job will definitely add points. Applicants with higher professional titles, longer working years and high industry stability can successfully raise the amount.
4. Economic strength: This is an important standard for bank audit. Economic strength refers to the income certificate issued by the work unit. If the income is high, you can naturally get a higher quota smoothly.
5. Personal housing: Applicants who own their own property often have certain financial ability, so it is not difficult to increase the credit card limit.
6. Marital status: For banks, the income of married applicants is often relatively stable, so married people are usually rated higher than unmarried people, and it is easier to obtain higher quotas.
Suggested card application order:
1, Bank of Communications credit card (preferably approved with a low amount);
2. China Merchants Everbright Guangfa Credit Card (approval is easy, cash withdrawal is fast, and traffic is frozen at this time, no matter how much);
3. Apply for Ping An and CITIC when the investment is increased to 40,000 (both refer to the maximum amount of existing cards);
4. Apply for Pudong Development Credit Card (refer to the maximum amount of existing cards, pay more attention to the utilization rate of existing cards, and not pay attention to liabilities);
5. At this time, the credit card also has a limit of 400,000, not counting cash installment, reserve fund and the like (unless there is an emergency, try not to use these things, because the banking policy has become too fast, for example, the limit is suddenly lowered, which is common, such as Ping An, China Merchants Bank and China Everbright last year);
6. The last step is to apply for an industrial and commercial agricultural credit card (slowly raise funds).