Current location - Trademark Inquiry Complete Network - Overdue credit card - Hello, I have a 40,000 credit card in CITIC. I want to apply for a large credit card. Can I still do it?
Hello, I have a 40,000 credit card in CITIC. I want to apply for a large credit card. Can I still do it?
Of course, you can apply for a new credit card, as long as your current credit card has no overdue record, the probability of applying for a credit card again is very high, but I don't know how much the landlord wants, because generally speaking, the threshold for large credit cards is relatively high. Because in order to reduce the risk, the information submitted by the landlord needs to make the bank think that you are a reputable one. If the landlord wants to apply for a high credit card, he needs to prepare the following materials:

First, the landlord can provide weighty asset certificates, such as income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates. Anything that can prove that you have a good source of funds can be submitted.

Second, prepare the certificate of the work unit, because other certificates that can prove your personal ability, such as your position, education, etc., will also help you get a big credit card, such as academic certificate, technical grade certificate and other qualification certificates.

Third, the existing credit card repayment record, because good consumer credit and repayment credit are the key basis for you to apply for a large credit card.

Fourth, there are self-owned real estate licenses, self-owned cars, employment income certificates, and so on;

Fifth, the existing credit card consumption record, because the more you swipe your card, the banking system is likely to actively increase your fixed amount, thus obtaining a large credit card.

According to the above conditions and the description of the landlord, the probability of getting a large credit card is still quite high. The landlord can apply to the bank with confidence. If the landlord is not satisfied with the amount of the final application, he can also apply for withdrawal through a good consumption record for a period of time. Generally, the amount will increase by 50-60%. I hope my answer can help you!