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 a 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 hold a credit card with a limit of more than 40,000 and use it 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.

How to get a high-limit credit card? Just master these tips

In normal times, many people will apply for a credit card. It can make our consumption more convenient, but when applying for When it comes to credit cards, many people want to have a card with a higher limit, so how to get a credit card with a high limit? What skills are needed? I will give you a detailed introduction below.

When users want to apply for a high-limit credit card, they must submit proof of financial resources, such as provident funds, bank deposits, bank financial products, vehicle information, real estate information, etc. After submitting this information to the bank, they can apply for a high-limit credit card. , the limits given by different banks will be different when placing a card.

When applying for a high-limit credit card, the user's credit report must be good, otherwise the bank will not approve the high-limit credit card, even if the user submits proof of financial resources. When applying for a credit card, the card limit under different application channels is also different. When applying for a high-limit credit card, it is best to go through the bank counter.

When applying for a credit card at a bank, you should learn more about the benefits included in the card. Generally, choose a credit card that saves more money on daily consumption. Moreover, the bank has a wide range of card types, and users can choose the appropriate card type according to their actual situation. At the same time, you can compare between different banks when applying.

The credit card applied by the user can be activated and used after receiving it, but the transaction password and query password must be set during activation. After setting this, you should keep it in mind and avoid leaking the transaction password. If the transaction password is accidentally leaked, it is likely to cause credit card theft and cause certain losses to individuals.

When users use credit cards for consumption, they must not exceed their personal burden to avoid being unable to repay on time after use. If you have difficulty repaying the loan, you can use installment repayment or the minimum repayment amount. This repayment method can reduce the monthly repayment amount, but it requires a certain handling fee.

How can I get a credit card with a large limit? These three methods are more effective

The credit card limit determines the level of overdraft consumption. Many cardholders want to have a credit card with a large limit, but they don’t know what to do. In fact, applying for a large credit card is not something that can be done casually. You must first make sufficient preparations, and then you must master the method.

How can I get a credit card with a large limit?

1. Make preparations well

Check your credit and see if there are any bad records, such as if you are currently overdue, or have been overdue three times in a row or six times in total in the past two years. Just don’t try it. It is best to have no bad credit. Then check the credit card to see how much unpaid debt is. It is best not to let the debt ratio exceed 50%. Once you have done these things, you can apply for a card.

2. Tips for applying for large-amount credit cards

Choose banks with low thresholds and generous credit limits. If the four major state-owned banks do not have certain economic strength, it is better not to try, like Minsheng You can try it with banks, Industrial Bank, and Guangfa Bank. There are three most effective methods:

1. Submit proof of financial resources: Large credit cards have high limits and have certain requirements for the applicant's assets. For example, the Minsheng Standard Platinum Card has a starting limit of 40,000, and you must own a property worth at least 800,000. If you can provide proof of the property in your name, it will be easier to get a large-denomination card, and Minsheng will also recognize the house that is being repaid.

2. Apply with a credit card: This is the most effective way to apply for a large credit card. You need to provide a credit card with a usage period of more than 1 year and a limit of more than 30,000 as card application information. If you apply for a credit card from another bank, under normal circumstances, the credit limit that can be applied to the card will be higher than that of the original card, provided that the original card has good card usage behavior.

3. Curve card application: Get a large-value card by applying for second or third cards. The premise is that the first card must have at least 6 months of bills and good card usage behavior. The credit card level you apply for is higher than the first card. For example, if the first card is a gold card, apply for a platinum card.

How to increase credit card limit?

1. Swipe more cards to enrich your consumption scope

Continuously swiping your cards is an important aspect to prove your financial strength. Use your credit card frequently, no matter how big or small the amount is, and use your card wherever you can.

At the same time, don’t just swipe your card to buy the same thing, as this will easily be considered by the bank’s risk control as a possible cash-out of the credit card. Normal consumption should include all aspects of food, clothing, housing, transportation, food, drink and entertainment.

If you are still swiping your card overseas, that is even better. Consumption abroad is settled according to ++, and repayment is in RMB. For banks, they can not only earn domestic handling fees, interest, etc., but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcome, and many banks even launch large-scale discount activities for overseas purchases.

However, it should be noted that using multiple credit cards to spend does not encourage you to spend randomly, but to use credit cards instead when you can pay in cash. Then the cash can be used for current financial management, such as putting it in Yu'e Bao or Wutong Financial Management to earn weekly income, and then withdraw it for repayment when it is close to the maturity date. In this way, you can not only make use of the interest-free period to earn interest, but also "maintain the card", killing two birds with one stone.

2. Small amounts or frequent purchases

Some banks particularly like users who make frequent purchases and small amounts. Therefore, do not be too lazy to swipe your card just because your consumption limit is low. It can show the bank that you are an active and high-quality user.

Of course, some banks prefer large-amount consumption, and it is best to consume more than 80% of the amount every month. No matter what, the most important thing is to use your credit card to spend money rationally, and think clearly whether what you want to buy is necessary or optional.

3. Appropriate installments

We all know that the handling fees incurred by credit card installments are very high, and generally we are not encouraged to handle bills in installments. But appropriate installments can also help you increase your quota. Why? Because you make money for the bank, it is difficult for the bank to refuse you as a courtesy.

For those who want to maintain a card, appropriate installments still have some reference significance.

4. Provide proof of financial resources

If you have a high-quality workplace, you can get extra points for the increase, but you can also add more detailed personal information and asset certificates later. To withdraw the amount, such as real estate certificate, driver's license, monetary fund or trust assets and other certificates.

A simpler and more crude way is to directly deposit the funds in the bank's savings card, or purchase bank financing to let the bank know your financial status. It is difficult for banks to refuse such high-quality customers.

5. Actively apply for a quota increase

Every once in a while, you can call customer service to apply for a quota increase compared to the previous limit increase.

It is easier to get approved if you apply for a limit increase at the following three times:

1. Apply for the first limit increase after using a newly issued credit card for six months. Generally, there will be an interval of half a year between each application for a limit increase; < /p>

2. Apply for an amount increase after installment;

3. Apply for an amount increase after a single large-value transaction.

6. Repay on time

Repayments must not be overdue, and do not continue to pay only the minimum repayment amount. This is also an important factor affecting the amount increase, as also emphasized above Can be staged appropriately.

Although banks like to put money where it will make money, they are more concerned about when the money can be recovered. Therefore, only if you repay your loan on time can the above tricks work.

In addition, if your credit card is deactivated for a period of time, the bank will take awakening measures for such users. The awakening measures are nothing more than increasing the limit or providing interest-free installments, etc., so you should also seize the opportunity. .

That’s it for the introduction of how to get a high credit card limit.