It’s false. Now the bank's credit cards with more than 500,000 are top unlimited cards and do not accept customer applications. It needs to be a high-end person with status and status in society (such as central or state agency cadres, social celebrities (such as Jack Ma, Li Ka-shing, Ma Huateng, etc. elites)), and can only be applied for when invited by the bank.

It is quite difficult for most banks to apply for a credit card (high-end platinum card or diamond credit card) with a limit of more than 50,000 yuan (most annual fees range from 1,800 to 3,888 yuan, and the annual fee is not waived). (The five major state-owned banks such as Bank of Communications must be invited by the bank to apply).

It is said online that no guarantee is required to apply for a credit card worth RMB 500,000. This is an advertisement placed by some loan companies in order to attract cardholders to click on their websites. It may also be a slogan put up by some criminals in order to defraud citizens' personal information. Once your ID card and other information are leaked to them, they will use your information to make fake documents or apply for credit cards. After a period of time. They will use these cards to maliciously overdraw and then make you pay them back.

The correct way to apply for a credit card and related knowledge:

Relevant knowledge about applying for a credit card:

1. In most cases, you must have full civil capacity to apply for a credit card. (Citizens over 18 years old in mainland China) who have certain direct financial resources can apply for a credit card from the card issuing bank.

2. Apply for a bank credit card: As long as the applicant works in a company (that is, has direct financial resources), is over 18 years old, and can issue a work certificate and income certificate to the bank (currently, Guangfa Credit Card does not A proof of employment is required, and the card holder can apply for a Guangfa Bank credit card as long as he works in one place) and can repay the loan on time.

3. Domestic residents need to provide: a completed and signed application form, identity document, income certification document; foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner Residence Permit (Residence Permit) The reason must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan residents; if you are a private owner, in addition to the above information, you must also provide: a copy of the industrial and commercial business license showing the applicant’s name, company name and date of commencement of operations (this premise requires you Is the legal representative of the business license).

4. If you want to apply for a credit card with a relatively large limit (such as a platinum card), you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car license (not the driver's license); Copies of large deposit receipts, etc.

5. Relatively speaking, national joint-stock commercial banks are easier to handle than the five major state-owned banks.

6. There is no charge for credit card processing. Approval is subject to the bank's final review result.

Application materials that you should prepare when applying for a credit card:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required); military personnel need Provide a copy of military ID; foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan compatriot permit and employment permit; Hong Kong and Macao residents: return permit and employment permit/residence permit); the temporary ID card must be valid for 3 months A copy of the second-generation temporary ID card and household registration book older than 1 month.

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the staff;

3. Proof of financial resources: If you want to apply for a credit card with a relatively large limit or a gold card, platinum card and above, it is recommended to provide more financial resources 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.

The main ways to apply for a credit card are:

1. Apply at the bank counter (you need to prepare ID card, work certificate, and income certificate);

2. Credit card official website Apply;

3. Apply to the bank's credit card salesperson (currently, Guangfa Credit Card does not require a work certificate, as long as the card applicant has classes in one place, contact the card application salesperson to apply for Guangfa Bank Credit card);

4. You can apply on WeChat (the same applies to other banks):

Industrial Bank: Search the official account on WeChat and follow "Industrial Bank Credit Card Center" and click "WeChat Application Card" ”—“Apply now.”

Guangfa Bank: Search the official account on WeChat and follow "Guangfa Credit Card", click "My Services" - "I want to apply for a card".

China Merchants Bank: Search the official account on WeChat and follow "China Merchants Bank Credit Card", click "I want" - "Apply for a card·Recommend".