Based on my many years of experience in banking business and using credit cards, there are two situations that can be handled.

1. Apply for a card through a card. Whichever bank applies for a card through a 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 of 200,000), Deluxe Platinum Card (starting limit of 80,000), Standard Platinum Card (starting at 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 (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 you have a credit card of more than 150,000 yuan, you can apply for a deluxe platinum card. (Diamond Card)

Put in items by real estate: The standard platinum card requires a real estate value of more than 800,000 yuan, the deluxe platinum card requires a real estate value of 1.6 million yuan, and the diamond card requires a real estate value of more than 3.2 million yuan.

According to my understanding from some colleagues around me, Guangfa and China Merchants Bank accept vehicle-related certificates, so different banks have different application conditions. It is recommended that you consult some stalls on the streets and shopping malls. Contact the credit card processing staff, or call the customer service of each bank.