1. Generally, no bank handles cards by card, and the new card is generally higher than the original card.
The premise is that you have a credit card now, and the amount may not be high, but it doesn't matter. Remind you to keep a good repayment credit record, even if you keep the minimum repayment amount every month. When I was in college, I only paid the minimum repayment amount every month for quite a while, but the bank called me on its own initiative and increased the quota for me. Or use a credit card for more than half a year, or you can take the initiative to apply for an increase in the quota through customer service phone. In this way, your existing credit card limit will continue to increase, which is more convenient for you to apply for a high credit card in the future.
2. When applying for a credit card, submit relevant property certificates. Such as automobile production, real estate.
In fact, for high-value credit cards, I personally understand that the threshold for not having a bank is high or low, but different banks have different requirements for property certificates. It is not enough to provide them casually, depending on whether the bank accepts them.
For example, Minsheng Bank, where I worked, divided the high credit cards into diamond cards (starting from 200,000 yuan), luxury platinum cards (starting from 80,000 yuan) and standard platinum cards (starting from 40,000 yuan). However, the bank does not accept the certificate of automobile production. Even if you have a famous car, the only acceptance condition is: using a card to handle a card or a real estate.
There is no need to provide any additional proof of assets to apply for a card: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000 (the original credit limit is more than 40,000, and the standard platinum card can be applied, the luxury platinum card can be applied for more than 80,000, and the diamond card can be applied for more than 65,438+0.5 million).
Real estate purchase: the standard platinum card requires the real estate value to be more than 800,000 yuan, the luxury platinum card requires 6.5438+0.6 million yuan, and the diamond card requires more than 3.2 million yuan.
According to my understanding of some colleagues around me, Guangfa and China Merchants Bank both accept certificates related to automobile production, so different banks have different application conditions. I suggest you consult the credit card handlers who set up stalls on the street and in shopping malls, or call the customer service of various banks.