What does it mean to apply for a credit card? The money in the bank is bundled into bundles, which look like bricks. One brick costs 10,000 yuan, so applying for a brick-based card allows us to save money in the bank, and many banks default to this approach. In particular, Bank of China is known as the Brick Bank, which shows its requirements for applicants’ assets.
How to apply for a credit card? There are two points to pay attention to, one is the time to move bricks, and the other is the amount of bricks to move. In terms of transfer time, it is recommended to start transfer 3 months before applying for a card, because most banks use average daily deposits as a measurement standard. If the transfer time is less than 3 months, it is difficult to be recognized by the bank. The amount of money for moving bricks depends on the identity of the applicant and the level of the card. For example, if you are a person without a license, it will be enough. If you move 5 bricks, you will have to save 50,000 yuan. For those who want to apply for a high-end card, it will be enough. For those who have platinum cards, it doesn’t take dozens of bricks to smash the bank. Finally, some friends will ask, can I withdraw the money after debiting the card? The safest way is to suggest that you keep the card for another 3 months. During this period, you must standardize your card use, increase the frequency of credit card swiping, and diversify your consumption. The most important thing is to repay the loan on time. Wait until the 3rd installment of bills is issued. Will the bank raise the limit? If so, you can withdraw the money, but everyone should be mentally prepared for the limit to be reduced. Because the withdrawal of bricks may make the dynamic management of assets substandard.