First of all, whether you apply for a large credit card or an ordinary credit card, you need a good personal credit record! A good personal record is the most basic threshold for banks to judge whether to apply for a credit card. From the payment of utilities in life to the repayment records of various credits, whether the applicant has a criminal record, etc. Are part of our personal credit history. With good personal credit, we can prove to the bank that we are trustworthy customers, pay back on time and abide by the spirit of the contract. It can also provide a variety of credit information to provide banks with more comprehensive credit information, which is also a "plus item" for judging the amount. The larger the application amount, the stricter the bank's credit record, so the personal credit record must be good enough!
Secondly, since we want to apply for a large credit card, we also need to provide our financial status to the bank. It is also reasonable for banks to grant different quotas to different customers. One of the prerequisites for applying for a large credit card is that we have sufficient repayment ability. In terms of proof of economic level, it is necessary to provide relevant certificates to the bank, such as a copy of real estate license/automobile driving license/bank time deposit certificate or relevant certificates of real estate, automobile, deposit and investment. The more complete the financial certificate, the more positive it is for the bank to know our personal situation and judge the limit.
In terms of bonus points, if you want to apply for a large credit card of CCB, you also need to have "small skills". For example, if you want to apply for a large credit card of CCB, you can usually do some financial management and become a VIP customer of the bank. Since it is a VIP customer, it has certain advantages in approval speed and all aspects. Or you can apply for a large credit card from another bank now, and then you have a good record of repayment on time, which can also be a convincing proof that you provide information to the bank.
Finally, considering all factors, if you are not qualified enough to apply for a large credit card of CCB, you can apply for an ordinary credit card first, and increase the credit card limit by spending more, repaying on time or even repaying in advance. If you are qualified enough to apply for a large credit card of CCB, you only need to provide the bank with perfect materials, and the bank will also give customers a reasonable credit line according to various aspects of audit and judgment.
I hope it helps you!
Large credit cards usually refer to platinum credit cards or titanium credit cards launched by banks. Generally, the minimum amount is more than 50,000, which is hard to see in the market now. Black gold cards and diamond cards are all launched for specific groups. Only those who receive the invitation are eligible to bid, requiring assets of at least tens of millions or hundreds of millions, CEOs or CEOs of well-known enterprises, etc.
Large credit cards are not something that ordinary petty bourgeoisie can apply for casually. First look at the minimum annual income of more than 200,000, and the position requirements are above the middle level of the company. /kloc-How big is the company with more than 0/00 employees, which can be verified in the environmental industry. Then, you need to provide proof. You have applied for a platinum card. With such a high income, there must be deposits like cars and houses. In addition, if you already have a platinum card approved by other banks, it will be easy.
If you apply for a CCB credit card, the bank will have commissioners and auditors after receiving your application materials. Everyone's situation is different, and the audit results will be notified by SMS. If there is a requirement for the amount, you can provide financial proof in your name. For example, the more information about real estate, automobile production or large time deposits, the more helpful it will be to the card and quota review.
At present, credit card processing conditions have declined. If you want to apply for a credit card, you can apply for a credit card at Juchabang, the official account of WeChat.
Situation 1: You already have a credit card. If you already have one or more credit cards and have a good repayment record, you only need to pay attention to one thing. Good consumer credit and repayment credit are the key to applying for a large credit card.
Situation 2: Never used a credit card. In this case, it may be difficult to apply for a large credit card. So what does the bank look at? Your income and assets determine whether to give you a card and a credit line. If you are a cardholder in this situation, you must have a hard personal asset status. The specific requirements are: more than 200,000 deposits, and more than 654.38+00,000 property rights. Vehicle driving license certificate, more than 500 thousand. The income certificate shows that the annual income is not less than 654.38+0.5 million, and the civil servant or enterprise is the person in charge of the top 500.
The basic condition for opening a credit card is proof of income. The higher the income, the higher the credit limit. At the same time, the better the credit status of the company you work for, the higher the credit limit (such as railways, banks, universities, civil servants, etc.). )
If you want a higher credit line, you can consider providing proof of real estate (must be in your own name), proof of automobile production, proof of spouse's work income, proof of large deposit in the bank, proof of large investment in wealth management products, etc., which can effectively improve your credit line.
To apply for a large credit card, you must first have good credit and conditions. No other bad records. You can find a CCB with a high credit card limit. I suggest you apply for a credit card ... this will increase the credit limit. Generally, the credit lines granted by the four major banks will not be too high. In the later stage, you still need to play credit cards frequently, have a good record of card withdrawal, and increase the credit limit.
When applying for a large CCB credit card, you can deposit a fixed amount of money into the bank savings card every month. Or put the salary card in the salary card of CCB. Also, buying all kinds of wealth management and deposits of CCB can increase the bank's score on you regularly. CCB APP can look at the pre-approval quota of credit cards, and if there is one, apply for it, and it is very likely to get the card.
If you want to apply for a high credit card. Upload as much financial data as possible. Compare house and car income certificates. Store business license.