A few days ago, a reader left a message: It is "impossible" that the total credit of credit cards reaches 5 million. In this article, I'm going to talk about this problem and prove that it is feasible to grant a credit of 5 million yuan from theory to practice.

II) Single credit limit

The credit limit of a single credit card is limited, which is mainly related to two aspects:

1. Personal qualification; 2. Local financial environment.

Personal qualifications are related to everyone's basic situation, involving a wide range, which will be analyzed separately in the next article.

the local financial environment can theoretically reflect the single-person credit limit of a certain place. This article is to theoretically analyze the feasibility of a total credit of 5 million, so first analyze the feasibility of the local financial environment.

iii) Number of bankers

The local financial environment mainly refers to the number of local bankers. In China, each bank can handle multiple credit cards, but each bank has only one credit line. For example, I have set up five cards in Ping An Bank, each with a quota of 5,. In fact, these five cards are only enjoyed by the quota, and Ping An Bank only gave you a quota of 5,. Therefore, for a single person, the total number of local banks is closely related to the total personal credit.

1. Number of bankers in China. There are 6 state-owned banks (industry, construction, China, agriculture, postal services and communications), 12 joint-stock commercial banks (CITIC, China Everbright, Huaxia, Minsheng, China Merchants, Xingye, Guangfa, Ping 'an, Pudong, Hengfeng, Zheshang and Bohai) and several city commercial banks (Beijing, Shanghai, Shanghai Rural Commercial Bank, Nanjing, Ningbo, Wenzhou, etc.).

among them, the handling of credit cards is: state-owned banks can handle it nationwide, joint-stock commercial banks have local outlets, city commercial banks generally have local outlets, and private banks can't handle it at present.

Take Taizhou as an example. There are about 25 banks, and there are more in first-tier cities. Let's take 25 as the average.

2. the number of banks that can issue cards. It is not that banks can apply for cards locally, and individuals will get 1% cards when they apply. The number of bankers who can get a card is limited. According to the situation reflected by myself and major forums, there are about 2 bankers who can get a card for a single person without pursuing the quota but only the number of cards. Assuming that each bank gives 5, credits, the total credit for a single person can theoretically reach 1 million.

iv) key

after the above analysis, the total credit of a single person can reach 1 million, so how can we achieve the goal of 5 million total credit?

Some truth is actually very simple and easy to understand. Anyone can understand it as long as they pierce the paper.

the key here is multi-core! That is, mobilize friends and relatives around you to handle the card together for your use.

some people may say, how can there be such a kind person?

the process is definitely hard, but it is easy to realize in theory. You+your parents+your wife+your wife's parents, there are six people, and in theory, you can achieve 6 million. You haven't mobilized your relatives and friends yet!

5) Conclusion

In the case of multi-cores, the total credit of credit cards can reach 5 million.

(In practice, I once met someone who reached 1 million. )

with the credit card management method introduced in my previous article, you can easily realize the initial capital accumulation and do what you want without income.

6) attack some fallacies

There are many skills to raise the amount on the Internet. In fact, in the actual operation process, it is very difficult to raise the amount, and it will get twice the result with half the effort. Through the full-text analysis, we know that even if the amount is raised, it is difficult for you to break through the limit of 1 million personal credit. Therefore, the amount increase is a false proposition in front of the quota flow players, and multi-core can achieve scale expansion.