Although we are not extravagant, if you have certain assets, such as a house with an area of 150 square meters, a car with an area of 300,000 square meters, a deposit or financial management with an area of 500,000 square meters, and an annual salary of150,000 square meters, as long as you meet any of the above requirements, you can apply at the bank counter with the asset certificate. It's best to apply for a platinum card, because the maximum amount of a universal gold card is only 50 thousand.
It doesn't matter if there is no valid asset certificate. It's just that you need to raise a 50 thousand yuan card first. It is suggested to get a China Merchants Bank card first. It's no problem to get a card of about 10 thousand, and then you can basically reach the limit of 50 thousand a year, and then you can start using the card to get a card.
At present, the banks that support card use are: Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank.
What should be noted when handling the card is:
(1) It is best to use a credit card with a card 1 year or more;
(2) It is best to go to the counter. Online application is basically not supported;
(3) The current available credit line of the cardholder should be kept at least above 30%, preferably above 60%;
(4) Credit cards with bad credit records cannot be used;
(5) Credit cards with installment payment or minimum repayment amount cannot be used.
(1) provident fund
If you pay the provident fund for more than one year, the industrial and commercial credit card will have a bonus. Even if the credit card limit is not high, you can borrow it directly through the gold flash loan. Depending on the amount of provident fund, the increase amount is 6 times, 8 times or 16 times of the amount of provident fund. As long as there is a provident fund for more than one year, it is normal to raise more than 50,000 per second.
(2) Insurance policy
If you buy Ping An insurance and pay more than 30,000 yuan a year, you can apply for a platinum card of Ping An Bank with a limit of not less than 50,000 yuan.
(3) Time deposit
ICBC has a time deposit of 50,000 yuan, so it applies for a pledge loan, re-deposits, re-pledges, and then deposits it to 200,000 yuan before applying for a credit card.
Credit card is a double-edged sword. Although it can provide us with a lot of working capital, it also costs money, which is equivalent to small loans with low interest rates. Therefore, you should do what you can and be careful to become a slave. If you are already in a quagmire, don't even think about getting more credit cards to keep your job, because it will only get deeper and deeper. It is better to go ashore as soon as possible.
Related Questions and Answers: Related Questions and Answers: How to handle a 50,000 yuan credit card? I believe that many card friends want to apply for a large credit card, and it is difficult to apply for a large credit card at present. Generally speaking, a credit card with a limit of more than 50,000 can be called a large credit card. The starting threshold is relatively high, and the application still needs some skills.
I believe that many card friends want to apply for a large credit card, and it is difficult to apply for a large credit card at present. Generally speaking, a credit card with a limit of more than 50,000 can be called a large credit card. The starting threshold is relatively high, and the application still needs some skills. The following small series shares some skills for handling large credit cards, and three skills teach you to handle large credit cards.
Tip 1: Choose the appropriate credit card level.
The credit card limit varies according to the level. Applicants must first choose the correct credit card level. The general credit card limit is 3000-8000 yuan for ordinary cards, 8000-50000 yuan for gold cards and more than 50000 yuan for platinum cards, but the specific situation depends on the financial certificate and personal credit status you provide. Therefore, if you want to apply for a large credit card, you must choose the appropriate credit card level.
Bian Xiao suggests that you apply for a gold card or above. Friends who are going to apply for platinum credit cards should pay attention. The annual fee for platinum cards is generally high, and the annual fee will be charged regardless of whether the card is opened or not. You can apply for a "Little Platinum" credit card first, and generally you can enjoy the policy of exempting annual fees or exchanging points for annual fees.
Tip 2: Prepare sufficient financial proof.
The more financial proofs, the higher the credit card approval limit may be. The materials that can be used as financial proof are as follows. It will be very helpful if you try your best to apply for a high credit card at the bank.
1. Official payroll or income certificate for the last three months issued by government agencies and enterprises (company seal or department seal is required);
2. A copy of the bank payroll passbook/bill (showing the wage entry information in the last three months);
3, the last three months of personal income tax payment certificate copy;
4. Copy of social insurance withholding certificate;
5. A copy of the self-owned property certificate;
6. Copy of bank deposit slip/passbook;
7. Copies of purchase vouchers of funds, government bonds and corporate bonds (name, account number and account balance of the purchaser shall be shown);
8. Copies of high-limit credit cards and high-end membership cards of other banks.
Tip 3: Fill in the application form carefully and truthfully.
When filling out the credit card application form, there are several important contents that will affect the bank's rating on you. The higher the rating, the higher the approved amount.
1, income: the higher the income, the higher the bank's credit score for you;
2. Education: The higher the education, the higher the score;
3. Whether it is a local account: the score of a local account is higher than that of a foreign account;
4. Is there a room: having a room is higher than not having a room, and living by yourself is higher than living with parents;
5. Married or not: Married scores are higher than unmarried;
6. Nature of work unit: For example, institutions, large state-owned enterprises and Fortune 500 enterprises all scored higher, while unknown private enterprises and foreign enterprises scored lower.