A guide to applying for a high-value credit card

Generally, the conditions for applying for a high-value credit card are as follows:

1. A natural person with full civil capacity and repayment ability.

2. The age is between 18 and 65.

if you want a high credit limit, you should first choose a gold card and a platinum card.

The credit card level is different, and the amount of approval is also different. Generally, a general card is 3,-8, yuan, a gold card is 8,-5, yuan, and a platinum card is more than 5, yuan, but the specific amount depends on your financial proof and personal credit information. Therefore, if you want to apply for a large credit card, you should first choose a gold card or a platinum card.

If you are not a big local tyrant, a gold card is more suitable. The annual fee for a platinum card is several thousand yuan, and most of them can't be exempted. Generally, the annual fee can be exempted after a gold card is swiped several times a year. If you are a rich owner, then the platinum card can definitely meet your demand for quota, and the platinum card can also enjoy many high-end services.

Financial resources prove

Good personal credit record

Good personal credit record is conducive to high-value credit card applications. Make sure to repay in full and on time, and don't be overdue, so that you can have a good credit certificate.

skills of filling in the form

when filling in the credit card application form, its content will directly affect the bank's rating on us. The higher the rating, the higher the amount under approval.

1. How much is your income: The higher your income, the higher your credit score will be.

2. Is there a fixed telephone number in this city? Having a fixed telephone number in this city means that your place of residence is stable, which will increase the credit evaluation score of the bank;

3. Married or not: Married scores higher than unmarried;

4. Is it a local hukou? The score of local hukou is higher than that of foreign hukou.

5. Is there a house? The score of owning a house is higher than that of not having a house, and the score of living by oneself is higher than that of living with parents.

6. Education level: Graduate students are higher than undergraduate students, and the higher the education level, the higher the score;

7. Nature of work unit: The more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and Fortune 5 enterprises all scored higher.

8. Job status: The higher the job, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

How to get a high credit card? Just master these skills.

In normal times, many people will use credit cards, which will make our consumption more convenient. However, when handling credit cards, many people want to have a high credit card. So how can we get a high credit card? What skills do you need? Below I will give you a specific introduction.

when users want to apply for a high-limit credit card, they must submit financial proof, such as provident fund, bank deposits, bank wealth management products, vehicle information, real estate information, etc. After these information are submitted to the bank, they can apply for a high-limit credit card, and the amount given by different banks will be different when issuing the card.

when handling high-value credit cards, the user's credit information must be good, otherwise the bank will not approve high-value credit cards, even if the user submits financial proof. When applying for a credit card, the amount of the card is different under different application channels. It is best to apply for a high credit card through the bank counter.

when handling a credit card in a bank, you should know the rights and interests contained in the card in detail, and generally choose a credit card that saves more money in daily consumption. Moreover, there are many kinds of cards in the bank, so users can choose the appropriate card type according to their actual situation. At the same time, it can be compared between different banks when applying.

the credit card applied by the user can be activated after it is obtained, but the transaction password and inquiry password should be set when it is activated. Remember the settings here in the future, and at the same time avoid the disclosure of the transaction password. If the transaction password is inadvertently disclosed, it is likely to cause credit card theft and bring certain losses to individuals.

users must not exceed their personal burden when using credit cards for spending, so as to avoid not being able to repay on time after using them. If it is difficult to repay, you can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount, but you need to pay a certain handling fee.

how do I apply to increase the credit card limit?

generally speaking, it takes more than half a year to increase the credit card limit, and the existing limit is basically used up every month and repaid in full every time. In this case, some banks will automatically increase the limit, and state-owned banks such as ICBC need to call themselves to apply for increasing the limit.

The following methods can increase the credit card limit:

Always use the credit card for spending, and the credit card must be swiped frequently and spend more, and the bank will increase the limit according to your consumption situation.

high consumption, try to use up the credit card limit every month, and the bank will upgrade according to the actual situation that your limit is not enough. If your card limit is 1 thousand, you will spend 3 every month, and the bank doesn't think it is necessary to raise the limit.

to apply for a temporary quota, if the quota needs to be increased due to festivals, travel, business trips and other short-term needs, you can apply for a temporary quota, which will be easier for approval.

if you can't apply by phone once, you can call again, and you can apply by phone continuously. Sometimes different customer service applications will be handled differently.

if the customer service refuses to accept the credit line increase, tell the customer service. If the credit line cannot be increased, it is useless to keep it. If the credit line is not increased, the card will be cancelled. Sometimes it will work.

the time of withdrawal is also very important. it is most effective to apply on the billing date or when the card has just been maxed out. In particular, major expenditures have just occurred, such as renovating houses and buying cars. When the bank sees that your recent consumption is really in need, it will consider adjusting it.

how can I apply for a high credit card?

if you want to apply for a relatively high credit card, there are some tricks to follow.

First, the more detailed the application form, the better. "Now, in order to save trouble, many applicants only fill in the necessary options when filling out the credit card application form, and skip the non-required items. However, I don't know that the more complete your information is, the higher the bank's pass rate when approving high-value credit cards. " Professionals said that the fixed-line contact, marital status and the location of the account are also additional points. "If you leave a fixed-line phone in this city, your marital status is married, and your account is a local account, the bank thinks that the applicant is more stable, so the pass rate of high-value credit cards is greater."

the second is to submit relevant property certificates. The person in charge of the Credit Card Center of Nanjing Branch of China Merchants Bank pointed out that if you submit proof of movable property or immovable property in your name when applying for a credit card, it will mean that you will have more financial guarantee when repaying your credit card in the future, and banks will be more willing to issue high-value credit cards to such credit card applicants. Specific assets include real estate, cars, etc. The property certificate submitted can be a copy of the real estate license, car driving license, or proof of deposit in the bank or other banks, which will add points when applying for a high credit card.

Last but not least, remind the applicant that if you already have a credit card from another bank and your credit history has been good, you can submit the card information attached, which will also improve the success rate when applying for a high credit card.

Let's stop here for the introduction of how to apply for a high credit card limit.