As one of the four state-owned banks, China Construction Bank has relatively high requirements and threshold for applying for credit cards. If you want to get a large credit card in CCB, you must make full preparations to get it. So many friends complain that applying for CCB credit card always fails. So today, Xiao Qin will share with you the credit card application skills of China Construction Bank.

I. Selection of application channels

1. Online card handling: In most cases, if the qualification is average and there is no asset certificate to provide, online card handling is the best choice. According to the skills of integrating application materials, fill in the application form to create a good degree of attention, and then apply, the amount of 2-5w is no problem.

2. Offline card handling: You can directly apply for a large credit card. If you have high-quality assets such as large deposits, real estate, automobile production and wealth management, you can go directly to the counter of the offline branch, bring a copy of the assets and submit the assets directly at the counter to apply for a large credit card. The general amount is 5w.

Second, improve the star rating.

1. Set up a first-class savings card for deposit, wealth management and remittance;

2. Purchase wealth management products, and the initial purchase amount exceeds 5W;

3. Having a deposit record of more than 6 months in CCB, with an average monthly deposit of more than 5w in the last 3 months;

4. The average monthly salary in the past three months is not less than 1w, and you can apply for a gold card;

5. Commercial housing with a local area exceeding 100 square meter;

As long as one of the above points is met, you can apply for a CCB credit card after you can see the "pre-approval limit" in the CCB APP, on the premise of ensuring good credit information and not exceeding the multi-head credit requirements. However, there are still cases where pre-approval is rejected. Generally, this high probability is that the information filled in at the time of application is "inconsistent" and "the card type selection is inconsistent with your comprehensive score in CCB", so the application information filling skills and card type selection skills are very important for everyone who wants to apply for CCB credit cards.

Third, a good credit report

Personal credit information must be good when applying for a credit card. If there is negative information on the credit report, the bank will consider it more when approving it. Therefore, if you are not sure about your credit information, you can submit your credit information first and then consider applying for a credit card. (Card friends who already have bad records can directly optimize the skills of creating 3 N according to the credit information in the class. If you want to know, please consult Qin Xiao WeChat. )

Fourth, the popular card type recommendation

1, Longka Hot Purchase Card

2. Longka Bili Bili Card

3. Longka Car Card

4. Longka Global Payment VISA/ UnionPay Double Standard Card

5. Longka Love Card

6. Dragon Card Enjoy Platinum Card (Dashan White)

Introduction of high-end credit card applications

Generally speaking, the conditions for applying for a high 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.

If you want a high amount, you'd better choose gold and platinum cards.

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.

If it is not a big "local tyrant", the gold card is more suitable. The annual fee for a platinum card is thousands every year, and most of them can't be exempted. Generally, a gold card can be swiped several times a year to avoid the annual fee. If you are a rich car owner, then the platinum card can definitely meet your demand for quota, and the platinum card can also enjoy many high-end services.

Financial proof

Good personal credit record

A good personal credit record is conducive to high credit card applications. Be sure to repay in full and on time, and don't be overdue, so as to have a good credit certificate.

Filling skills

When filling in the credit card application form, its content will directly affect the bank's rating on us. The higher the rating, the higher the approved amount.

1, how much is the income: the higher the income, the higher the bank's credit score for you;

Is there a fixed telephone number in this city? Having a fixed telephone in this city means that your residence is stable, which will increase the credit evaluation score of the bank;

3. Married or not: Married scores are higher than unmarried;

4. Whether it is a local account: the score of a local account is higher than that of a foreign account;

5. Is there a room: having a room is higher than not having a room, and living by yourself is higher than living with parents;

6. Education: Postgraduates are higher than undergraduates, and the higher the education, the higher the score;

7. Nature of work unit: The more stable the work unit, the higher its popularity and the higher its score. For example, institutions, large state-owned enterprises, and Fortune 500 companies all scored relatively high;

8. Position: The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

How to apply for a large credit card?

First of all, choose the right channel to handle the card.

Credit card application channels can be mainly divided into online and offline. If you want to apply for a large credit card, it is recommended to apply through the counter of offline outlets, and submit the created asset certificate to the bank as the card handling information, which will greatly improve the success rate. As for the online credit card application channel, although it is convenient and fast, the application amount is generally not too high because of the small amount of materials submitted. However, it is easy to apply for a 5w credit card directly as long as you pay attention to applying for a bank, improve your comprehensive score and fill in the information in the application form.

Second, optimize personal credit reporting.

We must pay attention to the importance of credit reporting, because it will definitely not work if it is overdue. If there are many credit inquiries, it is recommended to optimize them before applying, so that the success rate is higher. In addition, there is personal debt ratio. Before applying for a credit card, you can choose to cancel the credit card that is not commonly used, which can reduce your credit debt and improve the success rate of credit card application.

Third, personal assets apply for credit cards.

If you have personal conditions, such as having a house and a car, you can apply for a large credit card directly through the offline counter. However, it should be noted that the house area should be greater than 80 and the car value should be greater than 300,000 before it can be submitted as effective financial proof. In this way, 100% can easily apply for a credit card with a credit limit greater than 5w.

Fourth, credit card deposit application

In this way, China Merchants Bank is recommended to apply for a direct demand deposit of 500,000 yuan. /kloc-handle the investment sunflower wealth management card within 0/5 days. Then apply for a credit card directly on 15, and the amount of the card will definitely not be less than 50,000.

Verb (abbreviation of verb) fill in the application materials

1, Education: Those with education must fill in the highest education, and never leave out or fill in the lower education.

2. Marital status: Banks prefer married people. Under the same conditions, the passing rate and initial quota of married people will be higher.

3. Industry: Banks prefer industries with high consumption and stable jobs. Employees of government agencies and large enterprises are often easier to apply for cards than employees of ordinary enterprises, and the quota will be higher.

4. Economic ability: You have a savings card in the bank, and there are certain conditions such as deposit and running water in the card to prove your economic ability. The more, the better. If not, income certificates, real estate and vehicles can also be added.

The above methods depend on your own experience and type of work. I hope they can help you!

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.

This is the end of the introduction on how to handle high-limit credit cards and how to handle high-limit credit cards. I wonder if you have found the information you need?