Who can apply for China Everbright Bank's 500,000 yuan credit card?
Have a house of 80 square meters or a car with a naked price of more than 150,000 yuan;
Have a business license for half a year Those above can apply for China Everbright Bank's large-limit credit cards of RMB 150,000 to RMB 500,000.
Note: You can have two bank cards (installment card and credit card) at the same time, and those with a business license of more than 2 years can apply for a credit card with a limit of 300,000.
If you have a house of more than 80 square meters and a business license, you can apply for an Everbright Bank insured card. The insured amount starts at 300,000, and both husband and wife can apply for it.
What are the requirements for ICBC credit card application?
How to apply for an ICBC credit card, which type of ICBC credit card is better:
Before applying and handling an ICBC credit card, you need to understand the application conditions and application methods:
1. Application conditions
1) The applicant must be over 18 years old and have independent civil capacity;
2) Have a stable job and income, and have a certain amount of repayment Ability;
3) Personal credit report is good and no bad record.
2. Application methods
ICBC credit card applications can be made through both online and offline channels, such as the official website, ICBC e-Life APP, and third-party card application platforms (Alipay, WeChat, etc.), you can directly fill in the information online; you can also apply for a card through a bank branch or salesperson.
The best credit card to apply for is a bank credit card with a high credit limit:
1. Meituan co-branded credit card
Meituan co-branded credit card is Meituan’s joint credit card with banks from various places, focusing on “ A standard credit card product issued with rights and interests in various life consumption scenarios, which combines Meituan’s big data, intelligent model and other advantages with the bank’s accumulated experience and advantages in funds, full-process risks, etc., through “online "Local customers, local life, local finance" are provided with characteristic and differentiated financial services to meet the real needs of users under "lower" consumption scenarios.
The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. (Click to apply online)
Card holders can enjoy the "early adopter privilege" rights of the Meituan platform. The points spent by swiping the card can be automatically converted into Meituan pocket money and used as cash on the platform every day at the standard of 10 yuan/1 pocket money. Within 90 days of card issuance, Meituan will receive an immediate discount of RMB 6 for the first payment made each day.
2. Bohai Bank Credit Card
The Bohai Bank Self-Travel Platinum Card is relatively easy to get approved. The Freedom Card is a travel-themed credit card launched by Bohai Bank. Classic platinum card products mainly customized for those who pursue the ultimate cultural, sports and food experience. After applying for the card, the review result will be available within 30 minutes. If the review is passed, you will receive a text message reminder.
Bohai Bank’s credit card limit: Bohai Bank’s regular card limit is 1,000-10,000, the gold card limit is 10,000-50,000, and the platinum card limit is more than 50,000. (Click to apply online)
3. Shanghai Pudong Development Bank Credit Card
The Shanghai Pudong Development Bank Credit Card is pretty good. Pudong Development Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.
1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's credit card general card level is generally between 1,000 yuan and 10,000 yuan. (Click to apply online)
2. Gold card level. The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.
3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.
4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.
How to apply for a credit card with a limit of 500,000 yuan
If you want to apply for a China Merchants Bank credit card with a relatively large limit, it is recommended to provide more financial information.
It can be salary records issued by the bank, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc. The main ones are your large deposit slips, real estate certificates, and copies of driving licenses for high-end private cars. If you can provide relatively complete financial documentation, it will be more helpful for us to understand your personal situation and determine your credit limit. If the local branch has clear regulations, the regulations of the local branch shall prevail. The credit card verification status shall be subject to the final review result.
What are the requirements for applying for a credit card with a credit limit of 500,000 yuan?
The conditions for applying for a credit card with a credit limit of 500,000 yuan are:
Possess a platinum or above level from the bank For credit cards,
have assets of more than 2 million yuan in the bank,
and other asset certificates, such as real estate certificates, driving licenses, etc.
It is difficult for ordinary people to have a credit card limit of 500,000 yuan on a single card, unless they are business owners.
The upper limit of a personal card is generally in the range of 200,000-300,000. This limit alone is already out of reach for many people.
If you want to obtain such a high quota, in addition to your own qualifications, the rest is your consumption level.
Extended information: To apply for a large-amount credit card, in addition to the ID card, work permit, education certificate, home address and other information required to apply for a general credit card, if you want to apply for a large-amount credit card, proof of financial resources is very important, such as a driving license , real estate certificate, etc. A credit card from an existing bank can provide accumulated credit history. Also, whether you took out a bank loan to buy a house in the past, whether you repaid the loan on time, etc. will all help increase your credit card limit. In short, your financial resources and your credit are the prerequisites that determine whether you can get a large-limit credit card. In addition to providing these materials yourself, the bank will also carefully review and investigate them during the credit review.
Requirements for applying for large credit cards
Deposits
Proof of deposit, usually more than 200,000 yuan
Property rights
Proof of real estate, usually more than 1 million
Proof of car driving license, more than 500,000
In terms of income
Proof of income, annual income is not less than 150,000 public servants, civil servants, or heads of Fortune 500 companies.
With the above conditions, you can apply for a large credit card of Diamond Card or Platinum Card. The limit is generally around 500,000, but it should be noted that the annual fee is usually around 1,000. There are no discounts. or relief.
The above standards are common application materials and may vary depending on different banks.
Credit card application conditions
General application conditions are relatively close, and the actual operation is based on the regulations of each bank.
Each card-issuing bank has its own card-issuing standards, which generally include the following points:
1. Over 18 years old
2. Have a fixed occupation and Urban and rural residents with stable income and whose workplace is usually in the place of permanent residence.
3. Fill out the application form and sign in the "Applicant's signature" area.
To apply for a credit card, you need to provide the following information:
1. Copy of identity document, work certificate, income certificate, etc.
2. If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.
3. If you have a foreign registered permanent residence, are an overseas personnel applying for a local job, or are an active-duty military officer applying for a credit card in your own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a relevant Certificate issued by the department (including work certificate).
4. Other conditions required by each card issuing bank.
The review time is generally within 15 working days. The specific credit limit is determined based on your credit rating and handling situation. Generally, the first-time credit limit is lower, around a few thousand yuan. If the credit and If the repayment record is good, you can apply to increase the overdraft limit after 6 months of use.
The details of each bank are different. It is recommended that you go to the bank where you applied for detailed consultation.
That’s it for the introduction of the conditions for applying for a 500,000 credit card.