When applying for a credit card, many people want to have a credit card with a higher credit limit. So is it easy to apply for a credit card with a limit of 100,000? It is very difficult for ordinary users to apply for a credit card with a limit of 100,000. It is best for users to consult their bank before applying so that they can know the specific conditions.

When a user applies for a credit card with a limit of 100,000 at a bank, the user needs to have frequent business dealings with the bank, and the bank's turnover is very high. For example, when the Industrial and Commercial Bank of China applies for a credit card with a limit of 100,000 The users who need it are preferably people from government agencies and institutions, middle-level cadres or above or with senior professional titles; their annual income is more than 120,000 yuan, and it is best to have property certificates for real estate and cars.

Usually, bank credit cards with a limit of 100,000 are targeted at some high-quality customers of the bank, such as mid-to-high-end managers of large enterprises, mid- to senior-level government personnel, etc., who also have a certain amount of deposits and bank financial products in the bank. Sometimes the bank will actively invite users to apply without having to apply, and the amount given is relatively high.

Credit cards launched by banks are generally divided into levels. Common levels include regular card, gold card, platinum card, diamond card, etc. Generally, the higher the level, the higher the application requirements. If you apply for a credit card with a higher level and submit average application materials, you are more likely to be rejected by the bank.

For ordinary users, applying for an ordinary credit card can meet their daily needs. You can apply through bank counters, mobile banking, bank official websites, etc. When applying online, you need After the interview, the user can get the credit card only after passing the interview.

Users applying for a credit card must be over 18 years old and submit proof of work, etc. The bank will review the application after receiving it, and the card can be issued after passing the review. The total time to apply for a credit card is about 30 days. Once you get the credit card, you can activate it. After using the credit card to make purchases, you must repay it on time. There must be no overdue repayment. Overdue repayment will result in penalty interest and repercussions. Personal credit report.