How to apply for a large credit card?

1. Choose the appropriate card application channel

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 an offline outlet and submit the prepared asset certificate to the bank as card application materials. The success rate will be greatly improved. As for the online credit card application channel, although it is convenient and fast, due to the small amount of information submitted, the application amount is generally not too high. However, as long as you pay attention to the applying bank, improve the overall score, and fill in the information in the application form, you can apply directly. A credit card with a limit of 50,000 is also very easy.

2. Optimize personal credit reporting

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

3. Apply for a credit card with personal assets

If you have personal conditions, such as a house or a car, you can apply for a large credit card directly through the offline counter, but you need to pay attention. Yes, the house area must be greater than 80,000, and the car value must be greater than 300,000, in order to be submitted as proof of valid financial resources. In this way, you can easily apply for a credit card with a limit of more than 50,000 for 100%.

4. Apply for a credit card by deposit

For this method, it is recommended to choose China Merchants Bank to apply and directly make a current deposit of 500,000. Apply for the China Merchants Sunflower Financial Card within 15 days. Then after 15 days, apply for a credit card directly, and the credit limit will definitely not be less than 50,000.

5. Filling in application materials

1. Educational qualifications: Those with academic qualifications must fill in the highest academic qualifications. Do not omit or fill in lower academic qualifications.

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

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

4. Financial ability: You have a savings card in the bank, and there are certain conditions such as savings and current flow in the card to prove your financial ability. The more, the better. If not, proof of income, real estate, and vehicle are also required. Can add points.

The above methods are based on my own experience and the sharing of work type Hao Xiaoqin Shuoka. I hope they will be helpful to you!

How to apply for a 500,000 credit card?

To apply for a large-amount credit card, in addition to the ID card, work permit, academic certificate, home address and other information required to apply for a general credit card, if you want to apply for a large-amount credit card Credit card, proof of financial resources is very important, driving license, real estate certificate, etc. A credit card from an existing bank can provide accumulated credit history. Also, whether you took out a bank loan to buy a house in the past, whether you repaid the loan on time, etc. will all help increase your credit card limit. In short, your financial resources and your credit are the prerequisites that determine whether you can get a large-limit credit card. In addition to providing these materials yourself, the bank will also carefully review and investigate them during the credit review.

Requirements for applying for large credit cards

Deposits

Proof of deposit, usually more than 200,000 yuan

Property rights

Proof of real estate, usually more than 1 million

Proof of car driving license, more than 500,000

In terms of income

Proof of income, annual income is not less than 150,000 public servants, civil servants, or heads of Fortune 500 companies.

With the above conditions, you can apply for a large credit card of Diamond Card or Platinum Card. The limit is generally around 500,000, but it should be noted that the annual fee is usually around 1,000. There are no discounts. or relief.

The above standards are common application materials and may vary depending on different banks.

How can I apply for a credit card with a limit of 500,000, and what conditions are required

If it refers to a China Merchants Bank credit card, the general judgment will be based on fixed income, time deposits, fixed assets, and liabilities. Under normal circumstances, the fixed limit range of ordinary cards is ￥1,000-￥10,000, and the fixed limit range of gold cards is ￥10,000-￥50,000. Cards regardless of gold cards and ordinary cards are generally 3,000- The limit of 50,000 yuan, the limit of platinum and diamond credit cards is generally a fixed limit of 50,000 yuan and a temporary limit that is actively adjusted for you every month; the unlimited credit card limit is subject to the review results.

To apply for a high-value credit card, you mainly need your large-value deposit slip, real estate certificate, and a copy of the driving license of your high-end private car, etc. 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.

How to apply for a credit card with a limit of 500,000?

The 500,000 credit card is a large-limit credit card. To apply for it, in addition to being 18 to 65 years old, having good credit, and having a stable income, you also need to have strong financial strength, at least a monthly salary of 200,000. Or people with huge savings.

If you meet the above conditions, prepare all the information and go to the bank to handle it according to the staff's requirements.

Proofs that need to be prepared:

1. Proof of identity (the certificate cannot be about to expire or has expired)

Domestic persons - a copy of the resident ID card; Compatriots from Hong Kong, Macao and Taiwan - Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, and copies of residence endorsement or multiple-entry endorsement; Foreigners - copies of passports and residence permits or employment permits in China from the foreigners' countries;

2. Proof of income or financial resources

Proof of annual income, bank deposit certificate, copy of business license, income tax withholding certificate, self-owned real estate certificate/house purchase contract/bank mortgage repayment schedule , the original or copy of your own car driving license and other documents.

How to apply for a credit card with a limit of 500,000 yuan

If you want to apply for a China Merchants Bank credit card with a relatively large limit, it is recommended to provide more financial 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. If the local branch has clear regulations, the regulations of the local branch shall prevail, and the credit card status shall be subject to the final review result.

That’s it for the introduction on how to apply for a 500,000 credit card.