The threshold for applying for a credit card in China is really not high, and applying for a credit card is very simple. Of course, this mainly refers to applying for a universal card and a gold card. If you want to apply for a higher amount of platinum credit card, the conditions you need are of course very strict. However, as long as you can prove to the bank that you have enough financial resources, you can still get a credit card with a limit of 65,438+10,000 yuan. First, apply for the credit cards of the four major banks. 1. First, the Bank of China was refused and the quota was raised once a year. You can't apply again until you fail for one year. 2. The interest-free period of Agricultural Bank of China is 56 days, and it will be withdrawn once in March. There is no upper limit on the withdrawal amount, which is worth having. What ABC credit card must not do: you can't withdraw cash at ATM, remember. 3. ICBC: once in March, if you have the ability to spend 1 week, I will give it to you, and the amount of good luck can be doubled several times. 56 days interest-free, and the installment fee is the lowest in the bank. Without ICBC's credit card, you are a layman. The shortcut to get rid of the general situation: brush the contribution star. The specific method will not be disclosed. Tip: You can't apply for platinum immediately after 6 stars, but you can apply for platinum for painting stars. Be careful of ICBC. If you find that you can't apply for 2 years, just get a gold card. If the online application fails, you can apply again in a few months. You can carefully apply for the grey list every day. Black houses range from June to 2 years, during which you can't apply for any credit cards of ICBC. 4. China Construction Bank: once in June, between 50% and 60% each time. Ordinary cards and gold cards are the same level, with an upper limit of 6,543,800 yuan. Overpayment is free. Platinum card limit is 200,000. Shortcut: I personally test, and the two cards are swiped separately, and the amount is withdrawn separately, so that it can be withdrawn once in March and 100% in half a year. If you have more places to swipe your card, you can also apply for 3 or 4 cards. The theory is the same as above. Tip: CCB likes small amount, multiple times, entity and occasional installment. Apply for a platinum card with a quota of 30,000, and try to apply for a world platinum card with a quota of 1 50,000. All banks have to pay a certain amount, and CCB is particularly useful: brush dollars. No matter how capable Haitao people are, they can also go to the Hong Kong Red Cross or UNHCR with nothing. A single transaction 1 HK$ is equivalent to more than RMB 8 cents. If you don't give up this eighty cents, congratulations, you are a miser and honestly brush the supermarket. This depends on your own conditions, the number of brushes and the amount. If it is fast, 1 year can basically reach 65438+ 10,000. Two years slow, 654.38+ 10,000. Then go and get the card. In addition to the four major banks, many banks' credit card quotas will not be lower than those required by the four major banks to use other banks' credit cards for half a year or more. Only China Merchants Bank does not support credit cards. At this time, the problem appeared again. The amount of ordinary cards in small banks will not exceed 65,438+10,000. It doesn't matter, there is a way. You get a platinum card first, then a gold card, and then the quota is even. Ok, you have 65438+ million cards. Platinum cards are generally valid for 5 years, so you can not return them first. After many banks cancel their cards, your quota is not 654.38+ 10,000. Put the platinum card first, and then sell it five years later. Note: Industrial Bank will charge an annual fee if it does not open a platinum card. Bank of Communications Platinum needs to be invited and is not allowed to apply. How to replenish the amount of gold card and Puka card of Bank of Communications: the annual fee is free if you brush enough times, and you don't need it if you keep it. The more the Bank of Communications uses, the less the amount will be withdrawn, and the probability of withdrawal after freezing for half a year will be greatly reduced. China CITIC Bank will apply for a Platinum Card with an annual fee of 2000. Minsheng Bank Bai Hao has an initial quota of 654.38 million yuan, an annual fee of 3,600 yuan and a standard fee of 50,000 yuan. There is no annual fee. Minsheng Bank cannot apply for Bao Tong Platinum, and there is no interest-free period. The secret of withdrawing cash from Minsheng Bank: curve method. Year of the snake has come, and the system has been upgraded. Now it seems that it is not working. Ping An Bank's hidden overrun 10%. Shortcut of cash withdrawal: the cash withdrawal method of Ping An Mall will not be explained here. Go to the corresponding plate yourself if necessary. This method is still effective.