It is easy to apply for a credit card at present, but it is more difficult to apply for a credit card with a higher amount. If you want to have a large credit card, you may wish to start from the following aspects: 1, have good consumption habits and be able to repay in full and on time; 2 proof materials provided (such as income certificate, house ownership certificate, mortgage purchase certificate, work certificate, etc.). ) are relatively complete and weighty; 3. Your work unit is relatively stable. If it is a state-owned enterprise, a government agency or a public institution, it is easier to be approved. Of course, if you already have one or more credit cards and have a good repayment record, you don't need to provide proof of income or assets, just handle the copy of your existing credit card with the application form. In short, good credit records and repayment records are the key to handling large credit cards! For the channel payment of large credit cards, once a refund is generated during the transaction, after the refund is successful, the money will be submitted to the bank within 2-5 working days (BOC: 6 working days) and returned to the credit card you paid. If the original credit card fails to be returned, the money will be recharged to your Alipay account. You can withdraw the money or continue shopping with the money (hint: you can't withdraw it directly to the original credit card, and Alipay doesn't support the operation of withdrawing it to a credit card at present). Editor: Yang Xiaoxue.