To apply for a credit card (debit card) with a limit of 200,000 yuan at a bank, the requirements of different banks may be different, but the following basic conditions must be met:

1. Personal The credit report must be good, and there must be no large amounts or multiple overdue payments.

2. The personal debt ratio should be very low, and there should be no large unpaid debts.

3. Stable job income, generally no less than 200,000 per year. It is best to provide proof of large amounts of property, including but not limited to personal properties, cars, and other financial products.