How to apply for a temporary limit on a credit card
Requirements for applying for a temporary limit on a credit card
1. The card is opened and used normally for more than 90 days;
2. Have consumption every month for 3 months;
3. Monthly consumption accounts for more than 30% of the total credit card limit.
How to apply for a temporary credit card limit
If you meet the above three conditions for using a credit card, you can apply for a temporary credit card limit through the following ways.
1. Online application. You need to bring relevant proofs of assets, income, etc. to the credit card center for processing. Because there are many customers doing business at the bank's credit card center, you may need to queue up and wait for a while.
2. Apply by phone. Call the bank's customer service, just follow the customer service prompts to verify the information and answer the customer service's questions to complete the entire application process, which only takes a few minutes. Therefore, compared with other methods, the procedure of this method is relatively simple.
3. Mobile banking application. It is relatively fast to log in to mobile banking to apply for a temporary credit limit, usually within a few minutes. Mobile banking first evaluates the cardholder's credit card consumption and credit history, etc., and then pre-approves the temporary limit. If the cardholder agrees, the application for the temporary credit limit is completed.
4. Online banking application. It is not that convenient to use online banking to perform some credit card operations, so there are still relatively few people using online banking to apply for a temporary credit card limit.
I want to apply for a high-limit credit card, what should I do?
Go to the bank and fill out the application form. Pay back your money on time when you spend your daily life. As you slowly accumulate credit, your credit limit will increase. Then when you meet the conditions for a high-limit credit card, you can go to the bank to apply for it.
Provide sufficient information, various asset/income certificates, and a good credit record. Develop a relationship with the bank, make long-term purchases, make large deposits, etc.
Extended information:
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, financial status or source of income, and guarantor. and its basic situation, etc. And submit certain copies of documents and certificates to the card issuing bank. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Baidu Encyclopedia - Credit Card
How to apply for a Bank of China credit card limit, and what other materials are needed?
You can complete the credit card application online through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, and the official website of Bank of China (). If there is a Bank of China branch near you, you can also bring your ID card and other valid documents, as well as proof of financial resources, income proof, etc., to the Bank of China branch to fill out the application form to apply. The credit limit is a comprehensive assessment based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The final approval result shall prevail.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
How to apply for a credit card with a high limit
Many people, especially those who have just applied for a credit card, find that the limit is only a few thousand yuan after finally applying for a credit card. This is very embarrassing. The role of credit cards for us is to enable more overdraft consumption. So how to apply for a high credit card limit?
1. Choose a good credit card level. Under normal circumstances, the credit limits of ordinary credit cards, gold cards and platinum cards are different. The general credit limits are 3,000-8,000 yuan for regular cards, 8,000-50,000 yuan for gold cards, and more than 50,000 yuan for platinum cards. Therefore, it is particularly important to choose the credit card level you need.
2. Provide sufficient proof of financial resources.
As long as you can provide proof of your assets and income, such as real estate, cars, income, personal bank deposits, social security, provident fund, etc., these can all prove your assets.
3. Fill out the form carefully. In fact, the information on the form about whether you are married, whether you have a household registration in this city, and your education level are all factors that are considered for credit card reference, so you must fill out the form carefully.
After we do this, we will get a credit card, so protect our credit, and then use the credit card for everything, let the bank know our spending power, and then repay on time, the bank will be familiar with it After your spending power and repayment ability are improved, it will naturally help you increase your balance quickly.
How to apply for a large credit card?
1. Choose the appropriate card application channel
Credit card application channels can be mainly divided into online and offline. If you want to apply for a large credit card, it is recommended to apply through the counter of an offline outlet and submit the prepared asset certificate to the bank as card application materials. The success rate will be greatly improved. As for the online credit card application channel, although it is convenient and fast, due to the small amount of information submitted, the application amount is generally not too high. However, as long as you pay attention to the applying bank, improve the overall score, and fill in the information in the application form, you can apply directly. A credit card with a limit of 50,000 is also very easy.
2. Optimize personal credit reporting
We must pay attention to the importance of credit reporting, because if it is overdue, it will definitely not work. If there are many credit reporting inquiries, it is recommended Optimize it before applying, so the success rate is higher. In addition, there is also the personal debt ratio. Before applying for a credit card, you can choose to cancel credit cards that are not commonly used to reduce your credit debt and improve the success rate of credit card applications.
3. Apply for a credit card with personal assets
If you have personal conditions, such as a house or a car, you can apply for a large credit card directly through the offline counter, but you need to pay attention. Yes, the house area must be greater than 80,000, and the car value must be greater than 300,000, in order to be submitted as proof of valid financial resources. In this way, you can easily apply for a credit card with a limit of more than 50,000 for 100%.
4. Apply for a credit card by deposit
For this method, it is recommended to choose China Merchants Bank to apply and directly make a current deposit of 500,000. Apply for the China Merchants Sunflower Financial Card within 15 days. Then after 15 days, apply for a credit card directly, and the credit limit will definitely not be less than 50,000.
5. Filling in application materials
1. Educational qualifications: Those with academic qualifications must fill in the highest academic qualifications. Do not omit or fill in lower academic qualifications.
2. Marital status: Banks prefer married people. Under the same conditions, the approval rate and initial credit limit of married people will be higher.
3. Industry: Banks prefer industries with high consumption and stable jobs. It is often easier for employees of government agencies and large enterprises to apply for cards than employees of ordinary enterprises, and the credit limit will be higher.
4. Financial ability: You have a savings card in the bank, and there are certain conditions such as savings and current flow in the card to prove your financial ability. The more, the better. If not, proof of income, real estate, and vehicle are also required. Can add points.
The above methods are based on my own experience and the sharing of work type Hao Xiaoqin Shuoka. I hope they will be helpful to you!
How to apply for a large-limit credit card?
For many cardholders, the higher the credit card limit, the greater the amount of overdraft consumption, so more and more people are looking forward to it. A credit card with a large limit. However, dreams are beautiful, but reality is too harsh. Large credit cards are not something you can just apply for. However, as long as you master some card application skills, you still have a chance to apply.
First of all, let’s understand what a large-limit credit card is.
As the name suggests, large-limit credit cards refer to credit cards with high limits. So, what is the maximum limit? Here, we have to start with the level of the credit card. After all, different credit card levels have different limit ranges.
Credit cards usually have regular card, gold card, platinum card, diamond card, unlimited card and other levels. The limit of regular card generally does not exceed 10,000 yuan, the limit of gold card is between 10,000 and 50,000 yuan, and the limit of platinum card is between 10,000 and 50,000 yuan. The starting credit limit for credit cards of levels above is 50,000 yuan.
It can be seen that large credit cards usually refer to platinum cards and above.
So, how can you apply for a large-limit credit card?
1. Submit substantial proof of financial resources:
For large credit cards, the choice of bank is irrelevant. The key lies in whether the property certificate complies with the bank's regulations. Proof of financial resources generally refers to proof of real estate, cars, financial products, etc. in one’s name.
Take Minsheng Bank as an example. Its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).
If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.
2. Apply for a card with a card
Applying with a card is the most effective way to get a large credit card. Many cardholders use a credit card that has been used for a long time. As proof of financial resources, you can obtain a credit card with a larger credit limit. Of course, there are still conditions for applying for a card with a credit card.
Taking Minsheng Bank as an example again, cardholders who want to apply for a card must have a credit card with a limit of more than 40,000 and have been used for more than half a year before they can get a standard platinum card. To apply for a deluxe platinum card, you need to have a credit card limit of more than 80,000, and for a diamond card, you need to have a credit card limit of more than 150,000.
That’s it for the introduction to credit card limit processing.