You can apply for a credit card with a credit limit of 50,000 yuan in just three steps
I believe that many people still have a Buddhist attitude towards credit card limits. However, if you can learn from other cardholders’ application, From experience, I would still be quite happy if I just get a large credit card with a value of more than 50,000 yuan.
This is how card friends apply for large credit cards of more than 50,000 yuan:
1. Give priority to platinum cards with low thresholds
We all know that credit cards are There are regular card, gold card, platinum card and diamond card levels. Generally, the higher the level, the higher the limit. Platinum cards and above will charge a certain annual fee. Many cardholders refer to platinum cards that waive annual fees in the first year and waive annual fees in the following year after the card is approved for 12 times. If you want an affordable credit card with a higher limit, you can give priority to this type of platinum card. For example: CITIC’s i Platinum, Bank of Communications’ Kirin White, and Guangfa’s Zhenshang White have relatively low thresholds, high credit limits, and are easy to purchase.
2. Apply for a card with a high-limit credit card (apply a card with a credit card)
Card friend A has always wanted a Minsheng high-limit platinum card. I heard that you can apply for it in a curve- —Apply for a gold card first, and then apply for a platinum card after raising the limit of 50,000. After hard work, the gold card was finally raised to 50,000. Then, I applied for the Shangri-La Platinum Card on the Minsheng APP and received a text message confirming my approval. It is understood that card friend A said that another advantage he has is that his salary card is from China Minsheng Bank.
3. Pay special attention when filling in the application form:
1. Proof of identity
Nowadays, most credit card applications require a salesperson to come to your door and use an IPAD to scan your ID card. Take pictures and don’t keep them. However, there are still many places where you need to submit an ID card application.
It should be noted that in order to prevent information leakage, when submitting a copy of the ID card, it must be noted: "This copy is only used by a certain bank to apply for a certain credit card and is not for other purposes. The handwriting is blue (red) color, re-copying will be invalid. ”
2. Credit card application form
There are skills in filling out the credit card application form. Some conditions can be adjusted appropriately, such as the annual salary can be within a reasonable limit. Fill in a higher range, or the working time should be more than one year, or singles who are nearly 30 years old should fill in married, or the contact person can choose a friend with better qualifications, etc.
However, the principle when filling out the application form is: be as honest as possible. Once the bank discovers that you submitted false information, not only will you be unable to apply for a card within six months, but your credit will also be stained in the future.
3. Work certificate
It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp it with the company seal or Personnel seal), or a copy of the work permit/plate.
Employment certificate template
Work permit/tag (can replace work certificate)
Note: Try to print on company letterhead paper, especially if the unit is relatively small time; the company seal is essential; the monthly salary can be reported as appropriate, but remember not to be too high.
4. Proof of financial resources
It can be bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving records) Certificate/copy of bank time deposit certificate) and other materials that can prove the level of financial resources.
Note: The most effective financial proof materials are Shenka Bank’s financial products and real estate certificates. Cardholders who own a car can apply for a car owner card. The success rate of card removal is higher.
5. Tips for filling in information
Filling in the credit card application form is the only way to apply for a credit card. The filling process seems simple in our eyes and is easily overlooked. However, the quality of the credit card application form directly determines whether the credit card application is approved.
The styles of credit card application forms of various banks vary, and their contents are nothing more than the important parts of "basic information, professional information, contact information, and statement address." The following are the filling tips I have summarized, which will definitely help you get through the card 100%.
1. Marital and residential status
Married with children > Married without children, Married without children > Single. Just fill in the details accurately. If you are over 30 and unmarried, the bank will consider you unstable. It is recommended to prepare more asset certification documents (house/car/bank deposit) when applying for a card.
No loan for self-owned residence>Loan for self-owned residence>Unit and apartment>Renting. If you don’t buy a house, you might as well write a company allocation.
Residence time is also a reference item. Generally, it is more stable if it is more than one year, and the longer the better.
2. Residential phone number and address
The "residential telephone number" should be emphasized. Many applicants think that filling in the mobile phone number eliminates the need to fill in the residential telephone number. In fact, the bank's "residential telephone number" item mainly checks the stability of the applicant. So, don’t ignore this one.
Whether you own or rent a house, you must fill in your residential address. Like the residential phone number, the bank is also testing your stability with this item.
3. Work address and phone number
Whether you have a work address can reflect whether you are working, so don’t miss it when filling out the application form.
Forgetting to fill in the work phone number is the reason why many people fail to apply for a card. The bank will call your workplace during the follow-up call to check the stability of your job.
4. Income and length of service
There is a lot of skill in filling in income. Fill it out truthfully and avoid making up random things. Of course, don’t forget to add social security, provident fund, welfare, and year-end bonus on top of the after-tax basis. The length of service directly shows the stability of your job, and it can also indirectly show the sustainability of your income.
Some cardholders are very honest and directly enter 10/11 months of employment based on the actual situation. Here, you might as well fill in an estimated number, more than 1 year.
5. Contacts
Contacts are divided into two categories: immediate family members and other contacts, including family members with stable addresses, friends with stable jobs and high incomes, etc. In a word, it is the smartest way to fill in the stable group that the bank is assured of. It is not recommended to fill in friends and relatives who have no fixed job or unstable income/residence.
6. Work address
The address has two options: work address and residential address. Check the work address to indicate that you actually work in this company.
Note: Even if there are skills involved in successfully applying for a card, it ultimately depends on the applicant’s qualifications. It is recommended that cardholders use the card rationally, make timely repayments, have no overdue payments, and maintain a good credit record. .
How to apply for a credit card with a limit of 50,000?
1. Industrial Bank: The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for a card, but generally you need a sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.
2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.
How to apply for a credit card with a limit of 50,000? Take a look at these two methods
Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks are relatively more difficult. Say bigger. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.
1. Industrial and Commercial Bank of China: Universe Constellation Credit Card
ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card promoted by Industrial and Commercial Bank of China.
The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!
In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.
2. Bank of China: Taobao Credit Card
The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.
3. Agricultural Bank of China: Beautiful Upgraded Mom Credit Card
This Agricultural Bank of China’s Beautiful Upgraded Mom Credit Card is also easier to apply for. Both gold and platinum cards can waive annual fees based on the number of card swipes. The visa platinum card is also free of annual fees during its validity period.
You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.
4. China Construction Bank: The most popular card in the world
This card from China Construction Bank is also relatively easy to apply for, and it is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.
Overseas wifi, discounted air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.
This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to you. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!
How to apply for a credit card with a limit of 50,000?
How to apply for a credit card with a limit of more than 50,000?
1. Proof of assets:
Although most of us are not rich, many people should still have certain assets. For example, a house of more than 150 square meters, a car of more than 300,000 yuan, a deposit of more than 500,000 yuan for financial management, and an annual salary of more than 150,000 yuan are paid attention to.
As long as you meet any of the above conditions, you can go directly to the bank counter with these asset certificates to apply for a card. Remember to apply for a platinum credit card when the time comes, because the limit of a regular card or a gold card is generally upper limit. That's within 50,000.
2. Apply with a credit card:
It doesn’t matter if you don’t have a valid asset certificate, but you need to first develop a credit card with a limit of more than 50,000, and then Directly apply for a large-limit credit card by applying for a credit card, and the credit limit will definitely be higher than the original card limit.
The banks currently supporting card applications include: Bank of China, Communications, Shanghai Pudong Development Bank, China Everbright, Huaxia, Industrial, Ping An, and Guangfa.
Open Baidu APP to view high-definition pictures
When applying for a card with a card, we need to pay attention to:
The first point: your existing card is the most The good thing is that it has been used for more than a year
Second point: The current available limit of this card should be at least 30%, and 60% or more is the best.
The third point: This card cannot have bills that are being installmentd or the minimum payment cannot be used
The fourth point: It is best to go to the counter to apply, because online application is basically the same. None of them support card application.
3. Bank characteristics:
Those with provident fund:
If you have paid provident fund for more than one year, there is a bonus for applying for an ICBC credit card. Even if the credit limit is not high, we can increase the credit limit through Gold Flash Loan after purchasing the card. The increase is 6 to 8 or 16 times the amount of provident fund payment.
As long as you have a year's provident fund, it is very simple to raise more than 50,000 in seconds.
Those with insurance policies:
If you have Ping An Bank’s insurance and the annual payment is more than 30,000 yuan, you can directly apply for Ping An Bank’s platinum credit card with a limit of at least 50,000 yuan. above.
Time deposit:
ICBC time deposit of 50,000 yuan, you can apply for re-deposit and then pledge, repeated fixed deposit of 200,000 yuan, and then apply for a credit card, the limit will not be less than 50,000 yuan . But this method has certain requirements and also tests skills.
Finally, I hope everyone can get their own large credit card. I'm Xiao Zhou and I share the latest knowledge and techniques every day.
What are the conditions for applying for a credit card with a limit of 50,000?
Applying a credit card with a limit of 50,000
The limit of the credit card is based on what the cardholder filled in when applying for the credit card. It is determined by a comprehensive score of the information and relevant supporting documents provided. Generally speaking, the amount of 50,000 may be a regular credit card, a gold credit card or even a platinum card. The conditions for applying for regular cards and gold cards are completely different.
Apply for a regular card with a limit of 50,000:
If you are a novice who has never applied for a credit card, if you want to apply for a credit card with this limit, you need to provide a very complete and powerful In addition to proof of identity and employment certificate, you need to pay attention to these three points in your application materials.
1. Proof of income (stable salary flow stamped with bank seal or house). Banks attach great importance to the sustainability of the applicant's income to prove the stability of your income.
2. Proof of financial resources (proof of house/car ownership, time deposit certificates, securities) is a bonus, the more the better.
3. Proof of academic qualifications and professional titles (high academic qualifications and technical titles are helpful for increasing credit limits)
If you are a user who has already applied for a credit card and has a certain limit on your credit card, then Relatively speaking, it is much simpler, because the credit card repayment record and good usage habits will add a lot of points to the second application for a high-limit credit card. When submitting the application, in addition to the basic information required, , provide a copy of your existing credit card and send it along with the application form. As long as the original card has good consumer credit and repayment credit, applying for a high-limit credit card is still very simple.
Apply for a gold card with a limit of 50,000:
The application conditions for a gold card are more stringent than those for a regular card. Different banks have slightly different requirements. Taking China Merchants Bank as an example, applying for a gold card requires Meet the following conditions:
1. The applicant’s average monthly income is more than 4,000 yuan or the equivalent in foreign currency, the overall credit status is good, and there is no bad credit record;
2. China Merchants Bank The cumulative consumption amount of credit card holders in the past year has reached RMB 10,000 or the equivalent in foreign currency (excluding occasional large purchases such as car purchases and house purchases or production and business consumption), and the number of purchases in the past year has reached 6 times.
If any one of these two conditions is met, you can apply for the China Merchants Bank Credit Card Gold Card. When applying, you can reasonably choose the credit card type and bank according to your own situation.
That’s it for the introduction of how to get a 50,000 credit card.