The final amount of credit card approval cannot be determined at the time of card application, and the general bank will judge it according to the overall qualification of the applicant. Usually, a comprehensive evaluation will be made according to the cardholder's income level, marital status, work unit, position and personal property.
In addition, the initial credit card limit is also related to the bank card type and card level selected by the applicant. Generally, the initial credit card limit of joint-stock commercial banks such as Guangfa, CITIC, China Everbright and Xingye is relatively high; High-end cards, such as platinum cards, have a higher initial credit limit.
Therefore, if someone claims that the credit card limit is above 50,000 when handling the card, it is generally not credible. Except that the credit limit cannot be guaranteed, it is not certain whether the credit card can be approved. It also needs to be judged by the applicant's personal credit status.
So, how can I get a high credit card with a white home application card?
The first time you apply for a credit card, the amount will not be too high unless you can provide sufficient proof of assets, such as income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate.
Of course, in addition to asset certificates, other certificates that can prove personal abilities are also helpful to obtain high-value credit cards, such as academic qualifications and technical level certificates.
In addition, it is best to apply directly at the bank counter for the first time, not online. Although it is convenient and quick to apply for a credit card online, there is one drawback, that is, you can't submit the above proof materials online. The bank can only judge your credit and financial situation from the application form you fill out, so the amount of card approval is not very high.