If you want to apply for a large credit card, you must first know which cards have a high credit limit. Generally speaking, there are three kinds of credit cards: ordinary cards, gold cards and platinum cards. Generally, the credit limit of a card is the lowest, generally between 3000- 10000. The gold card is the second, and the amount is generally between 10000-50000; Platinum card has the highest amount, generally above 50,000, with no upper limit.
Therefore, when applying for a credit card online, the applicant must first think about how much credit card he intends to apply for. For example, if you want to apply for a credit card with a limit of 20,000 yuan, but you choose a general card when you apply, then the maximum limit is 1 10,000 yuan, which will definitely not reach 20,000 yuan; If you choose a gold card, it is very likely that the conditions are not enough and you will be rejected directly.
I remind you that you must choose the correct card type when applying for a credit card online. Different credit card types correspond to different limits and conditions. If you don't choose the right credit card type, it is very likely that you will apply for a low credit card, or even the application will not be successful.
Second, the information must be true.
Many people are not serious enough when applying for credit cards online, and the information they fill in is not true. For example, some people clearly earn 3000 yuan a month, but when they fill in the information, they write 5000 yuan. If the bank finds that the information filled in by the applicant is inconsistent with the actual situation, not only the credit card amount applied for is low, but also it may be directly rejected by the bank.
In addition, the information to be filled in should be not only true but also accurate. Some applicants are careless, and it is easy to write down the company address or misspell the information, resulting in a low credit card limit.
Third, provide sufficient proof of property
Proof of property is not just about income. Applicants can provide as many proof of property as possible when applying for a credit card online. For example, real estate license, vehicle registration certificate, social security, bank running water, etc. Generally speaking, if the applicant can provide this information, the credit card limit will not be low.
I suggest that if you want to apply for a large credit card, you'd better apply at the bank counter. Although there are many procedures for bank counter application and the examination is stricter, counter application is generally larger than online application.
Related reading: Tips for Safe Use of Credit Cards Credit cards and ID cards are open separately.
Cardholders should pay attention to separate credit cards from ID cards to avoid losing their wallets and swiping their cards. And avoid setting the password to your birthday or ID number.
When swiping a card, the card should be in sight.
Don't let the card leave your sight when swiping the card, pay attention to shielding when entering the password, and pay attention to whether the cashier swipes the card and the POS machine is abnormal when swiping the card.
Protect personal information
Pay attention to the security of personal and credit card information, including identity information and contact information. Credit card information includes the security of transaction password, card face information and verification code information. Be wary of online or offline merchants asking for passwords and other information for reasons such as returns and refunds. Once suspicious circumstances are found or any transaction that I don't know occurs, I should call the issuing bank to report the loss as soon as possible to avoid further losses.
Handle credit card receipts correctly
After each consumption, cardholders should properly handle credit card receipts, such as mall receipts, ATM receipts, POS list, etc., to avoid these transaction vouchers being picked up by some criminals with ulterior motives, which will affect the security of card information.
Keep consumption records.
Cardholders should keep online consumption records when shopping online. Once an unidentified expenditure is found, the cardholder can check it according to the evidence.
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