For many cardholders, the higher the credit card limit, the more money they can overdraw, so more and more people expect a large credit card. But the dream is beautiful, but the reality is too skinny. A large credit card is not what you want to do. However, as long as you master some card handling skills, you still have the opportunity to apply.

First of all, let's learn what a large credit card is.

So a large credit card refers to a credit card with a high amount. So, how much can be considered a large amount? Here, we have to start from the credit card level. After all, the credit card level is different, and the scope of credit limit is different.

Credit cards usually include Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. Generally, the limit of general card is no more than 1 10,000 yuan, the limit of gold card is between1-50,000 yuan, and the limit of platinum card and above is 50,000 yuan.

It can be seen that large credit cards usually refer to credit cards with platinum cards and above.

So, how can I apply for a large credit card?

1. Submit a weighty financial certificate:

For large credit cards, the choice of banks is irrelevant. The key is whether the real estate license meets the requirements of this bank. Financial proof generally refers to the proof of real estate, automobile production and wealth management products under the name of an individual.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

2. Use cards to handle cards

It is the most effective way to apply for a large credit card with a card. Many card friends rely on a long-used credit card as proof of financial resources to get more credit cards. Of course, there are conditions for using a card to handle a card.

Let's take Minsheng Bank as an example. To use a card, a cardholder must hold a credit card with a credit limit of more than 40 thousand and a use time of more than half a year in order to obtain a standard platinum card. To apply for a luxury platinum card, the credit card limit required is more than 80,000, and the credit card limit required for a diamond card is more than 1.5 million.

How to achieve a high credit card limit? It is good to master these skills.

In normal times, many people use credit cards, which can make our consumption more convenient. But when handling credit cards, many people want to have a higher credit card. So how can we get a high credit card? What skills are needed? Let me give you a detailed introduction.

Users who want to apply for a high credit card must submit proof of funds, such as provident fund, bank deposits, bank wealth management products, vehicle information, real estate information, etc. After these materials are submitted to the bank, you can apply for a high credit card, and the amount given by different banks will be different when you get the card.

When handling a high-value credit card, the user's credit information must be good, otherwise the bank will not approve the high-value credit card, even if the user submits a financial certificate. 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 you apply for 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 money on daily consumption. Moreover, there are many kinds of cards in the bank, so users can choose the appropriate card 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 avoid the disclosure of the transaction password. If the transaction password is accidentally leaked, it is likely to cause the credit card to be stolen and bring certain losses to individuals.

When users usually use credit cards for spending, they should not exceed their personal burden, so as to avoid not being able to repay on time after using them. If repayment is difficult, 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 can I get a large credit card? These three methods are more effective.

The amount of credit card determines the level of overdraft consumption. Many card friends want to have a large credit card, but they don't know what to do. In fact, it is not easy to get a large credit card. First of all, you should do enough preparatory work, and then you should master the method.

How can I get a large credit card?

First of all, we should make good preparations.

Check your credit to see if there are any bad records, such as overdue at present, three times in a row or six times in the past two years, so don't try again. It is best to have no bad credit, and then look at how many debts have not been paid off in the newspaper. It is best not to let the debt ratio exceed 50%. After doing this, you can apply for a card.

Second, the skills of handling large credit cards

Choose a low-threshold and generous bank. If the four state-owned banks don't have certain economic strength, don't try. For example, Minsheng Bank, Industrial Bank and Guangfa Bank can all try. There are three most effective methods:

1. Submit proof of financial resources: large credit cards have a high limit and have certain requirements for the applicant's assets. For example, starting from 40,000 yuan for the standard platinum card of people's livelihood, there must be at least one property worth more than 800,000 yuan. If you can provide proof that you have real estate under your name, it will be easier to approve big cards, and the house under repayment is also recognized by people's livelihood.

2. Card handling: This is the most effective way to handle large credit cards. You need to provide a credit card with a service life of more than 1 year and a credit limit of more than 30,000 as the application materials for handling other banks' credit cards. Under normal circumstances, the credit limit of the original card will be higher than that of the original card, provided that the card use behavior of the original card is good.

3. Curve card handling: You can handle a large card with two or three cards, provided that the first card has to be billed for at least six months and has good card use behavior. The credit card you applied for is higher than the first card. For example, if the first card is a gold card, you must apply for a platinum card.

How? So much for the introduction of high credit cards.