How to apply for a credit card worth 10,000 yuan

First, when applying for a card through a bank branch, you must bring your ID card and proof of work income (usually including: work permit from the unit, employment certificate Proof, salary card statements (preferably more than 3 months old), tax bills, social insurance policies, provident fund bills, etc. for the past 3 months. Not all of these are required, just have them.) If you can attach some proof of financial resources, such as real estate , cars, bank certificates of deposit, financial management, etc., then it is very helpful to apply for a card.

Secondly, there are now banks that can apply for cards through online channels (I use China Construction Bank, and applying for cards on their website is much more convenient than applying for cards at branches). You might as well give it a try.

Conditions for applying for a credit card with a limit of 10,000 yuan

Many card friends are asking how to apply for a credit card with a high limit. Next, I will introduce the conditions for applying for a credit card with a limit of 10,000 yuan. , I hope it can be helpful to card friends.

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers must have lived in the People's Republic of China for one year and have a fixed residence.

2. Have legal and valid proof of identity and marital status.

3. Have legal business qualifications and a fixed business location, and be able to provide a legal business license (or business license, stall license, industry business license, etc.) and property rights certificate or contract for the business location, Proof of tenancy.

4. Have the ability to repay the principal and interest of the loan in full and on time.

5. Have a good credit record and willingness to repay, and the borrower has no bad credit record in ICBC and other known financial institutions.

6. Obtain a credit rating of D (inclusive) or above from Industrial and Commercial Bank of China.

7. In addition to using credit methods, it can provide legal, effective and reliable loan guarantees recognized by ICBC.

8. Open a personal settlement account at ICBC.

9. Other conditions required by ICBC.

What should I do if I still have more than 10,000 on my credit card?

If you have difficulty paying off the entire credit card balance at once, you can apply for installment repayment. You can also find a credit card repayment company to repay the money to the bank first. Although the repayment company charges a certain fee, it can protect your credit report and not leave any overdue records. The consequences of not paying back your credit card debt are very serious, so you must find a way to pay it back as soon as possible. Otherwise, overdue records will be left in the credit report. However, negative information such as overdue repayments is not always recorded in an individual's credit report. my country's current credit record retention period is five years. After paying off the balance on a credit card, anyone can start building their credit history again. If the principal amount of the debt exceeds RMB 10,000 and is still not repaid for more than 3 months after two collections by the card-issuing bank, it will be deemed as a "malicious overdraft" under the criminal law, suspected of credit card crime, and sentenced to not more than five years or criminal detention according to law. , and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.

That’s it for the introduction of what to do with a 10,000 credit card.