There are two situations in which you can apply for Everbright Bank DIY credit card.

1. Apply for a card by card. Whichever bank applies for a card by card, the new card will generally have a higher limit than the original card.

The premise is that you already have a credit card. The limit may not be high, but it doesn’t matter. I remind you to maintain a good repayment credit record, even if you maintain the minimum repayment amount every month. When I was in college , I also only paid the minimum repayment amount every month for quite some time, but the bank took the initiative to call me and asked me to increase the amount. Or if you have a credit card that has been used for more than half a year, you can also take the initiative to apply for a limit increase through the customer service phone number. In this case, your existing credit card limit will continue to increase, making it more convenient for you to apply for high-limit credit cards in the future.

2. When applying for a credit card, submit relevant property certificates. Such as cars and real estate.

In fact, for high-value credit cards, I personally understand that there is no high or low threshold for any bank. Only different banks have different requirements for property certificates when approving cards. You cannot just provide them casually. It depends. Whether the bank accepts it.

For example, Minsheng Bank, where I have worked before, high-limit credit cards are classified into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), Standard Platinum Card (starting is 40,000) start). However, the bank does not accept car ownership certificates. Even if you have a famous Shenma car, the only condition for acceptance is: apply for a card or real estate with a card.

Apply with a card and do not need to provide any additional proof of assets: The applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000 yuan. (If the original card limit is more than 40,000 yuan, you can apply for a standard platinum card, if you have a credit card of more than 80,000 yuan, you can apply for a deluxe platinum card, and if the credit limit is more than 150,000 yuan, you can apply for a deluxe platinum card. (Diamond Card)

Put in real estate: Standard Platinum Card requires a real estate value of more than RMB 800,000, Deluxe Platinum Card requires a property value of RMB 1.6 million, and Diamond Card requires a property value of more than RMB 3.2 million.