Although, we can't change these factors in a short time. However, this does not mean that we can't adapt to the requirements of banks through some "special routines" and improve the credit limit of our first card. In order to make everyone's first credit card (debit card) limit not too low. Below, I will tell you how to handle credit cards (debit cards) correctly.
Most people often ignore the choice of banks and card types when they apply for cards. When dealing with credit cards (debit cards), they are in a "hurry to see a doctor" mentality, thinking that as long as a bank is willing to handle cards. First of all, you should know that this way of handling cards is doomed to make your credit card (debit card) limit impossible to be high. You should know that different banks have different credit card (debit card) policies. Some banks are easy to approve large credit cards (credit cards), while others are difficult.
Therefore, friends must choose the right bank before applying for a credit card (debit card). In reality, the probability that the four major state-owned banks approve large credit cards (debit cards) is not high. On the contrary, some smaller commercial banks are more likely to approve high-value credit cards (debit cards). In addition, you should also choose the card type that suits you, such as the owner's card with a car, the business card that travels frequently, the credit card (debit card) of your bank, insurance, real estate and so on.
When you have a certain interest relationship and business relationship with the bank, the credit card (debit card) you apply for is generally not low. So, how do ordinary people get on well with banks? It's simple. When you buy some bank wealth management products, or deposit a term in the bank, or buy an insurance, the bank account manager will take the initiative to ask you to apply for a credit card (debit card). At this time, you can put on airs and tell him that the amount is too low and the account manager will not treat you badly.
I believe there are two ways for many people to apply for credit cards (debit cards). The first way is to go to the bank business hall, and the second way is to apply online. Of these two ways, if your posture is excellent, the credit card (debit card) will be bigger. Online application, the amount of novice will basically not exceed 5 K.
Suggestion: If you want a big card, you'd better not apply online. There are many ways to apply for a credit card (debit card). In addition to the application of relationship account managers, there are also third-party platforms. Because third-party credit cards (debit cards) are generally co-branded cards jointly launched by the platform and banks, the audience of such credit cards (credit cards) is relatively small, and it is often easier for banks to release water in order to attract more customers. Personal qualifications are important, but the way of handling cards will also affect the approval of banks. Only by mastering some scientific playing skills can the credit line be high.
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