Large credit cards can always help people solve many difficulties, but not everyone can apply for such a credit card at once. More and more people apply for credit cards, and the amount is high or low. How to handle large credit cards has become the pursuit of most card friends. Today I will teach you a few tricks to make you rich immediately.
First, apply for a small credit card to withdraw cash.
Not everyone can get a large credit card directly. If the conditions are not good, let's start with Pukajinka. Puka is about1-20 thousand, and gold card is about1-50 thousand. Ordinary cards and gold cards are capped with a fixed amount of 50,000 yuan.
Friends who can only apply for Puka don't worry. As long as you maintain good consumption habits and repayment habits and have a good credit record, most banks will take the initiative to increase the credit card limit for you.
Second, provide rich and sufficient financial proof.
The more financial proofs, the higher the credit card approval limit may be. Many banks require more than 300,000 cars or 6,543.8+0,000 houses to apply for platinum cards. Can provide additional financial proof, such as real estate, vehicle ownership certificate, large deposit, wealth management products, etc. , you can add points for handling large credit cards. Be sure to show all your financial resources.
Third, use big cards to handle cards.
In terms of card handling, if you have a platinum card, you can directly handle large credit cards from other banks with the big card in your hand. But in recent years, many banks and banks have paid less attention to using cards, and your debt ratio is very important. If the card is not used well or the debt ratio is too high, it is difficult to empty the card, so how to cover the debt ratio of this card is the key in the process of handling the card.
Fourth, choose the appropriate credit card level.
The credit card limit varies according to the level. Applicants must first choose the correct credit card level. Generally, the credit card limit is 3000- 10000 yuan for ordinary cards, 50000 yuan for gold cards 10000-50000 yuan for platinum cards and more than 50000 yuan for platinum cards, but the specific situation depends on the financial proof and personal credit status provided by you. Therefore, if you want to apply for a large credit card, you must choose the appropriate credit card level.
Verb (abbreviation of verb) fill in the application form carefully and truthfully.
When filling out the credit card application form, there are several important contents that will affect the bank's rating on you. If you want to apply for a large credit card, the amount will be higher if the following conditions are met.
1, income: the higher the income, the higher the bank's credit score for you;
2. Is there a room: having a room is higher than not having a room, and living by yourself is higher than living with parents;
3. Whether it is a local account: the score of a local account is higher than that of a foreign account;
4. Married or not: Married people score higher than unmarried people;
5. Education: The higher the education, the higher the score;
6. Nature of work unit: For example, institutions, large state-owned enterprises and Fortune 500 enterprises all scored higher, while unknown private enterprises and foreign enterprises scored lower.
Many people want to apply for large credit cards, but the conditions through formal channels are not enough, so they choose mobile stalls with unknown sources, online "agents" and spend money to buy referral codes to apply for large credit cards. I suggest you stay away from these informal channels and don't rush to the hospital.
There must be a knack for how to handle large credit cards.
I want to apply for a large credit card, but the credit card limit has increased, but I can't handle it. What should I do? Don't worry, I'll teach you how to handle large credit cards. In addition to all kinds of financial certificates, credit certificates and technical certificates, you must fill in the credit card application form as detailed as possible when applying for a large credit card. When choosing a card, you should know that the credit limit of gold and platinum cards is very different from that of ordinary cards, and different occupations will also affect whether you can apply for a large credit card and so on. Knowing so much, are you still worried about not getting a large credit card?
Tips for handling large credit cards:
First, all kinds of financial certificates, credit certificates and technical certificates escort you.
As far as possible, provide proof of my financial resources, such as income certificate, mortgage purchase certificate, automobile property certificate, real estate certificate, bank deposit certificate, securities certificate, etc. Be sure to repay in full and on time, and don't be overdue, so as to have a good credit certificate. Provide attachments to the bank, such as real estate license, travel book, credit card statement of other banks in the last three months, academic certificate, technical grade certificate, business license of individual industrial and commercial households, business license of enterprise legal person, etc. So that the bank can give a higher amount according to these attachments.
Third, card selection tips, gold card, platinum card and ordinary card, the amount of credit card is very different.
The credit card level is different, and the approval amount is also different. Generally, the average credit card is 3,000-8,000 yuan, the gold card is 8,000-50,000 yuan, and the platinum card is more than 50,000 yuan, but the specific amount depends on your economic proof and personal credit status. Therefore, if you want to apply for a large credit card, you must first choose a gold card or a platinum card.
4. How much points can your career give you?
In the hands of the applicant's industry department. First of all, banks are often government-supported industries. If your industry is not particularly clear, and it is close to many industries, you'd better look for industries with relatively large profits or government support, such as import and export trade. When checking the nature of the unit, it is best to check the large state-owned joint-stock system, and the number of employees is also relatively good. For the department that is not checked, you need to fill it in yourself, so we use our extensive and profound writing skills to cleverly avoid the sales department of the department that banks hate. For example, the sales department can be written as a business department, and the sales specialist can be written as a clerk. Active thinking. If you want to apply for a higher amount, don't be dull.
How can I get a large credit card? These three methods are more effective.
The amount of credit card determines the level of overdraft consumption. Many card friends want to have a large credit card, but they don't know what to do. In fact, it is not easy to get a large credit card. First of all, you should do enough preparatory work, and then you should master the method.
How can I get a large credit card?
First of all, we should make good preparations.
Check your credit to see if there are any bad records, such as overdue at present, three times in a row or six times in the past two years, so don't try again. It is best to have no bad credit, and then look at how many debts have not been paid off in the newspaper. It is best not to let the debt ratio exceed 50%. After doing this, you can apply for a card.
Second, the skills of handling large credit cards
Choose a low-threshold and generous bank. If the four state-owned banks don't have certain economic strength, don't try. For example, Minsheng Bank, Industrial Bank and Guangfa Bank can all try. There are three most effective methods:
1. Submit proof of financial resources: large credit cards have a high limit and have certain requirements for the applicant's assets. For example, starting from 40,000 yuan for the standard platinum card of people's livelihood, there must be at least one property worth more than 800,000 yuan. If you can provide proof that you have real estate under your name, it will be easier to approve big cards, and the house under repayment is also recognized by people's livelihood.
2. Card handling: This is the most effective way to handle large credit cards. You need to provide a credit card with a service life of more than 1 year and a credit limit of more than 30,000 as the application materials for handling other banks' credit cards. Under normal circumstances, the credit limit of the original card will be higher than that of the original card, provided that the card use behavior of the original card is good.
3. Curve card handling: You can handle a large card with two or three cards, provided that the first card has to be billed for at least six months and has good card use behavior. The credit card you applied for is higher than the first card. For example, if the first card is a gold card, you must apply for a platinum card.
How to handle a large credit card
For many cardholders, the higher the credit card limit, the more money they can overdraw, so more and more people expect a large credit card. But the dream is beautiful, but the reality is too skinny. A large credit card is not what you want to do. However, as long as you master some card handling skills, you still have the opportunity to apply.
First of all, let's learn what a large credit card is.
So a large credit card refers to a credit card with a high amount. So, how much can be considered a large amount? Here, we have to start from the credit card level. After all, the credit card level is different, and the scope of credit limit is different.
Credit cards usually include Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. Generally, the limit of general card is no more than 1 10,000 yuan, the limit of gold card is between1-50,000 yuan, and the limit of platinum card and above is 50,000 yuan.
It can be seen that large credit cards usually refer to credit cards with platinum cards and above.
So, how can I apply for a large credit card?
1. Submit a weighty financial certificate:
For large credit cards, the choice of banks is irrelevant. The key is whether the real estate license meets the requirements of this bank. Financial proof generally refers to the proof of real estate, automobile production and wealth management products under the name of an individual.
Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).
If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.
2. Use cards to handle cards
It is the most effective way to apply for a large credit card with a card. Many card friends rely on a long-used credit card as proof of financial resources to get more credit cards. Of course, there are conditions for using a card to handle a card.
Let's take Minsheng Bank as an example. To use a card, a cardholder must hold a credit card with a credit limit of more than 40 thousand and a use time of more than half a year in order to obtain a standard platinum card. To apply for a luxury platinum card, the credit card limit required is more than 80,000, and the credit card limit required for a diamond card is more than 1.5 million.
How can I get a large credit card?
Everyone wants to apply for a credit card as much as possible, but many card friends feedback that their credit card limit is only a few thousand, so how to apply for a large credit card? Today, Xiao Qin will share with you the special skills of 30,000-50,000 calories. As long as you are a card friend with normal credit information, you can apply for a large credit card with this amount. How? Let's have a look!
First, integrate personal information.
Before applying for a credit card, you must first understand your personal situation. The application criteria of each bank are different. You must first synthesize your personal information, whether there is any bad credit information, work unit, punch card salary, running water, assets in which bank, etc. And choose a bank card that suits your own conditions to apply. Many card friends often apply blindly after seeing others apply for big cards. Most of these results don't know their personal situation.
Second, fill out the application form.
Filling in the credit card application form is an important factor for the bank to judge your card handling situation, and how to fill it out is very important. So we should beautify the data on the basis of ensuring the authenticity of the data. For example, when filling in the income level, you can add social security on the basis of after tax. Provident fund, year-end bonus, various benefits; It is best to fill in the landline number of the work unit and so on.
Third, choose the appropriate bank card type.
1. If you have assets in every bank, you will get twice the result with half the effort. If you don't have assets, combined with your personal situation, such as banks that pay wages by punching cards, banks that have deposits, banks that have wealth management, and banks that usually have running water, these business contacts will increase your internal score in this bank, thus improving the success rate and quota of card issuance;
2. If the above conditions are not met, it is recommended to choose banks with the second and third gradients, such as Shanghai Pudong Development Bank. You can apply at outlets and online. Before applying, you should apply for a savings card of the target bank to create an effective overnight settlement process of 7-45 days. Cash flow does not need to exceed 2-3k, so you can create an effective overnight settlement flow of 5w. Generally, it is no problem to get a card in 3-5w.
Fourth, don't apply for loans frequently.
Whether applying for a credit card or financing, don't apply for multiple banks' credit cards and financing platforms at the same time in a short time, which will directly accumulate too many inquiries for your credit information (what we usually call credit information) and directly affect your card success rate and credit card quota; If it has been spent, then stop applying, rest for 3 months, re-establish credit according to the skills of credit optimization, isolate the previous failed application records, and then apply for a card in the way mentioned above, so as to successfully apply for a card.
How to apply for a large credit card quickly
Generally, the conditions for applying for a large credit card are as follows:
1, a natural person with full capacity for civil conduct and repayment ability.
2. The age is between 18 and 65 years old.
Other conditions for handling large credit cards:
1. Whether there is a house (the score of owning a house is higher than that of not having a house, and the score of living by oneself is higher than that of living with parents);
2. Education (the higher the education, the higher the score);
3. Wage unit and position
Applicants with large credit cards work in better companies. If they want to successfully apply for a large credit card, if they have a higher position or title, they will get approval more easily.
4. Proof of financial resources
To successfully apply for a large credit card, the applicant must be able to provide his own proof of financial resources, including deposits and other financial assets of more than 200,000 yuan, proof of real estate in his own name and proof of automobile driving license.
If you only meet one or more conditions for applying for a big card, you must pay attention to the following questions:
1. Formal processing channel
When some criminals illegally sell credit cards, they will use other people's information to handle credit cards and sell them to others. If you have purchased or handled a credit card through informal channels before, there may be problems when using the card to handle the card. Not only will the application fail, but the previous credit card may also be seized by the bank, resulting in a bad record.
2. Real application materials
When applying for a credit card, copies of my ID card, credit card and financial certificate, including copies of real estate license and vehicle driving license, are true and valid.
3. Good use record
Maintain a good record of use, no record of expected repayment, and no malicious use of credit cards to withdraw current behavior.
So much for the introduction of how to handle large credit cards.