How to get a high-limit credit card? Just master these tips

In normal times, many people will apply for a credit card. It can make our consumption more convenient, but when applying for When it comes to credit cards, many people want to have a card with a higher limit, so how to get a credit card with a high limit? What skills are needed? I will give you a detailed introduction below.

When users want to apply for a high-limit credit card, they must submit proof of financial resources, such as provident funds, bank deposits, bank financial products, vehicle information, real estate information, etc. After submitting this information to the bank, they can apply for a high-limit credit card. , the limits given by different banks will be different when placing a card.

When applying for a high-limit credit card, the user's credit report must be good, otherwise the bank will not approve the high-limit credit card, even if the user submits proof of financial resources. When applying for a credit card, the card limit under different application channels is also different. When applying for a high-limit credit card, it is best to go through the bank counter.

When applying for a credit card at a bank, you should learn more about the benefits included in the card. Generally, choose a credit card that saves more money on daily consumption. Moreover, the bank has a wide range of card types, and users can choose the appropriate card type according to their actual situation. At the same time, you can compare between different banks when applying.

The credit card applied by the user can be activated and used after receiving it. However, a transaction password and query password must be set during activation. After setting this, you should keep it in mind and avoid leaking the transaction password. If the transaction password is accidentally leaked, it is likely to cause credit card theft and cause certain losses to individuals.

When users usually use credit cards for consumption, they must not exceed their personal burden to avoid being unable to repay on time after use. If you have difficulty repaying the loan, you can use installment repayment or the minimum repayment amount. This repayment method can reduce the monthly repayment amount, but it requires a certain handling fee.

How can I get a credit card with a large limit? These three methods are more effective

The credit card limit determines the level of overdraft consumption. Many cardholders want to have a credit card with a large limit, but they don’t know what to do. In fact, applying for a large credit card is not something that can be done casually. You must first make sufficient preparations, and then you must master the method.

How can I get a credit card with a large limit?

1. Make preparations well

Check your credit and see if there are any bad records, such as if you are currently overdue, or have been overdue three times in a row or six times in total in the past two years. Just don’t try it. It’s best if you don’t have bad credit. Then look at the credit card to see how much unpaid debt you have. It’s best not to let your debt ratio exceed 50. Once you do this, you can apply for a card.

2. Tips for applying for large-amount credit cards

Choose banks with low thresholds and generous credit limits. If the four major state-owned banks do not have certain economic strength, it is better not to try, like Minsheng You can try it with banks, Industrial Bank, and China Guangfa Bank. There are three most effective methods:

1. Submit proof of financial resources: Large credit cards have high limits and have certain requirements for the applicant's assets. For example, the Minsheng Standard Platinum Card has a starting limit of 40,000, and you must own a property worth at least 800,000. If you can provide proof of the property in your name, it will be easier to get a large-denomination card, and Minsheng will also recognize the house that is being repaid.

2. Apply with a credit card: This is the most effective way to apply for a large credit card. You need to provide a credit card with a usage period of more than 1 year and a limit of more than 30,000 as card application information. If you apply for a credit card from another bank, under normal circumstances, the credit limit that can be applied to the card will be higher than that of the original card, provided that the original card has good card usage behavior.

3. Curve card application: Get a large-value card by applying for second or third cards. The premise is that the first card must have at least 6 months of bills and good card usage behavior. The credit card level you apply for is higher than the first card. For example, if the first card is a gold card, apply for a platinum card.

How to apply to increase your credit card limit?

Increasing the credit card limit generally requires using the card for more than half a year, basically using up the existing limit every month, and repaying the loan in full and on time every time. In this case, some banks will automatically increase the limit. Industrial and Commercial Bank of China State-owned banks like these need to call themselves to apply for a limit increase.

The following methods can increase your credit card limit:

Use your credit card frequently for consumption. The number of credit card swipes must be many and frequent. Spend more, and the bank will increase the limit based on your consumption. .

For high consumption, try to use up your credit card limit every month, and the bank will increase your credit limit based on your actual situation. If your card limit is 10,000 and you spend 300 per month, the bank will not feel the need to increase the limit.

Apply for a temporary quota. If you need to increase the quota due to short-term needs such as holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

Call to apply. If it doesn’t work once, call again and keep calling to apply for a quota increase. Sometimes different customer service applications will be handled differently.

If the customer service does not accept the limit increase, tell the customer service. If the limit cannot be increased, it is useless to keep it. If the limit is not increased, the card will be canceled. Sometimes it will work.

The timing of the credit limit increase is also important. It is most effective to apply on the billing day or when the card has just been maxed out. Especially if you have just incurred major expenditures, such as house renovations, car purchases, etc., the bank will consider making adjustments if they see that your recent consumption is really necessary.

This ends the introduction on how to apply for a credit card with a high credit limit and how to apply for a high credit card limit. Have you found the information you need?