How to apply for a high-limit credit card? It’s much easier to sort out these points!

It is not difficult to apply for a credit card. Nowadays, banks are vigorously promoting credit cards. You can apply for a card by simply filling in the information. But it is not that simple to apply for a high-value credit card. What are the conditions that determine the ability to apply for a high-value credit card? As long as you understand the following points, high-limit credit cards will be super simple. Let’s take a look at it from the following aspects!

1. Qualifications for applying for a credit card

Generally, applying for a credit card is about qualifications. First of all, you must have a stable job, preferably a decent career, preferably a Civil servants, public institutions, state-owned enterprises, etc.

It is not impossible for private companies to apply for high-value credit cards. They can use the card issuing bank to issue salary statements on behalf of them, or supplement it with social security, provident fund, tax payment certificates, professional title certificates, skill qualification certificates and other materials.

2. Swipe the card to maintain the card

If you want your credit card limit to be high, the step of maintaining the card is definitely indispensable. You must find ways to optimize yourself from the card merchants, card swiping frequency, card swiping time, card swiping amount, etc., to increase your total credit limit in the bank.

The best way for you to increase your limit is to apply for a high-level credit card with a guaranteed limit. If that doesn't work, then slowly increase your limit by using a credit card.

3. Credit card application sequence

First, apply for a mortgage/car loan and a credit card from the bank that checks your salary to ensure a high limit. Some banks will refuse to hold more than 5 credit cards from other banks, such as China Construction Bank, Agricultural Bank of China, China Merchants Bank, Citigroup, etc. You can choose to apply first.

Some banks raise the limit very quickly and accurately, such as China Merchants, Agriculture, Guangfa, etc. For cards known in the circle as "good to raise", you can also choose to apply for it in the early stage, and then apply after the limit is raised. Card, it will be easier for higher amounts.

Here I will introduce to you how to apply for a high-value credit card. As long as you pay attention to the above three points and optimize your qualifications in many aspects, I believe you will be able to get it done soon!

High-limit credit card application guide

Generally, the conditions for applying for a high-limit credit card are as follows:

1. A natural person with full civil capacity and repayment ability.

2. Aged between 18 and 65 years old.

If you want a high limit, the first choice is gold card or platinum card

Different credit card levels have different approval limits. Regular cards are generally 3,000-8,000 yuan, and gold cards are 8,000-50,000 yuan. , Platinum card is more than 50,000, but the specific amount depends on your financial proof and personal credit status and other information. Therefore, if you want to apply for a large credit card, you must first choose gold card or platinum card.

If you are not a wealthy person, the gold card is more suitable. The annual fee for the platinum card is thousands of dollars per year, and most of them cannot be waived. The gold card can generally be waived if you top up a few times a year. Annual fee. If you are a wealthy owner, then the Platinum Card can definitely meet your demand for credit limit. The Platinum Card can also enjoy many high-end services.

Proof of financial resources

Good personal credit record

Good personal credit record is conducive to high-value credit card applications. Make sure you repay your loan in full and on time, and don't overdue it to give yourself a good credit rating.

Tips for filling in forms

When filling out a credit card application form, its content will directly affect the bank’s rating for us. The higher the rating, the higher the approved limit will be.

1. How much income: the higher the income, the higher the bank’s credit score will be for you;

2. Do you have a fixed telephone number in this city: Have a fixed telephone number in this city A phone call indicates that your place of residence is stable, which will increase the bank’s credit evaluation score;

3. Whether you are married: the score of being married is higher than that of being unmarried;

4. Whether you are married City household registration: The score of household registration in this city is higher than the score of household registration in other places;

5. Whether to have a house: the score of owning a house is higher than not having a house, and the score of self-living is higher than that of living with parents;

6. Educational level: graduate students are higher than undergraduates. The higher the education level, the higher the score;

7. Nature of the work unit: the more stable and well-known the work unit is, the higher the score, such as a public institution , large state-owned enterprises and Fortune 500 companies all score relatively high;

8. Position status: the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

How to apply for a large-amount credit card and teach you how to apply for a large-amount credit card in seconds

How to apply for a large-amount credit card and teach you how to apply for a large-amount credit card in seconds

Applying for a large credit card will not be as easy as applying for a regular card or a gold card. Not only is the application threshold for large-deposit credit cards high, but the application process is also relatively complicated, so the final result is not 100%. The amount of credit approved depends on each person's comprehensive situation and past credit record. If you want to apply for a large credit card, you can try the following methods.

The first method is to provide a property certificate to the bank

Submitting a property certificate is the most direct way to apply for a card. If you have a relatively strong property certificate, such as a car title certificate, a house Property rights certificates, bank deposit certificates, securities certificates, large financial products, etc., then you can provide these financial certificates to the bank, and you can also provide some attachments, such as technical grade certificates, individual industrial and commercial household business licenses, corporate business licenses, etc. License, etc., so the bank will approve a higher limit accordingly based on these attachments.

The second method is to apply for a card for large-amount deposits

When applying for a large-amount credit card, it is best to choose a bank with existing business cooperation, such as the bank where the salary card is located, A bank with fixed deposits,

or a bank with relatively large current account flow and frequent capital transactions. Because most banks now have deposit tasks, you can directly tell the business staff if there is no way to provide you with funds. If you have a high-limit credit card, you won’t continue to make deposits. Generally speaking, in order to retain your deposits, banks will apply for a large credit card for you.

The third method is to purchase insurance to apply for a card

This method is only applicable to Ping An Bank. If the applicant purchases Ping An’s insurance and pays more than 30,000 yuan per year, then at least Apply for a platinum-level credit card.

The fourth method is to apply for a card for high-value purchases

If the applicant purchases a first-class ticket by plane, then the credit card can be applied for directly in the airport corridor. In addition, if you have signed a foreign travel contract, you can also apply for an Industrial Bank credit card.

The last way is to apply for a credit card with a credit card

If you already have a credit card with a limit of more than 50,000, it will be much more convenient to apply for a credit card from another bank. Generally, You can get a relatively high amount.

How do ordinary people get high-limit credit cards? What do you know about the six card application techniques?

Ordinary people will inevitably encounter many situations where they need money in their daily lives. If you don’t have a lot of savings, you can apply for a credit card for turnover. Although many of them are ordinary people, they have high credit card limit requirements. If they want to apply for one, they must apply for a high-limit credit card. In order to successfully apply for a card, you must first understand the conditions for applying for a card, and then master the skills for applying for a card. Let’s take a look.

Requirements for ordinary people to apply for a credit card:

The basic requirements are relatively simple, such as being between 18 and 65 years old and providing a valid ID.

You must also have a stable job and income, and provide proof of employment and income certificate stamped with the financial seal of the company;

No bad credit record.

Six ways for ordinary people to apply for high-value credit cards:

1. Maintain a good credit score: A good credit score can reflect the applicant’s willingness and ability to repay. The credit card limit is a reference factor. The better your credit score, the easier it is to gain the trust of the bank. In addition to not being overdue, try not to have hard inquiry records on your credit report three months before applying for a card.

2. Provide true information: The information when applying for a credit card must be true and can be packaged appropriately, but not excessive. For example, the annual income is based on the actual salary, and the company's various welfare discounts, year-end bonuses, etc. can also be added; for job positions, ordinary employees can fill in a supervisor if they have been employed for a long time.

3. Reduce personal debt: Personal debt will reduce the ability to repay, which is also a key reference factor in approving high-value credit cards. It is best to pay off as much of the credit card debts and various small loans as possible before applying for a card, so that your personal debt is less than 50%.

4. Win with asset strength: Strong assets not only reflect economic capabilities, but also guarantee repayment ability. If conditions permit, you can apply for a card through offline outlets and provide banks with name cars, real estate, and large loans. With proof of assets such as extra deposits or financial product receipts, the chances of applying for a high-value credit card are high.

5. Apply for a card with a credit card: that is, use a credit card from another bank that has been used for more than one year and has a good credit limit of no less than 30,000 as the card application information to apply for a credit card from another bank. Usually, Refer to the existing credit card limit when approving the card. It will basically be relatively high, provided that there are no more than 5 credit card credit institutions.

6. Curve card application: This refers to applying for a credit card from the same bank. The first card is required to be used well, with at least 6 bills issued, and the limit is preferably close to the maximum limit of the card level before applying. For high-level credit cards, such as the first card is a gold card, you can apply for a platinum card. If the card is successfully approved and the limit is high, the success curve will be rapid.

How to apply for a large-limit credit card?

For many cardholders, the higher the credit card limit, the greater the amount of overdraft consumption, so more and more people are looking forward to it. A credit card with a large limit. However, dreams are beautiful, but reality is too harsh. Large credit cards are not something you can just apply for. However, as long as you master some card application skills, you still have a chance to apply.

First of all, let’s understand what a large-limit credit card is.

As the name suggests, large-limit credit cards refer to credit cards with high limits. So, what is the maximum limit? Here, we have to start with the level of the credit card. After all, different credit card levels have different limit ranges.

Credit cards usually have regular card, gold card, platinum card, diamond card, unlimited card and other levels. The limit of regular card generally does not exceed 10,000 yuan, the limit of gold card is between 10,000 and 50,000 yuan, and the limit of platinum card is between 10,000 and 50,000 yuan. The starting credit limit for credit cards of levels above is 50,000 yuan.

It can be seen that large credit cards usually refer to platinum cards and above.

So, how can you apply for a large-limit credit card?

1. Submit substantial proof of financial resources:

For large credit cards, the choice of bank is irrelevant. The key lies in whether the property certificate complies with the bank's regulations. Proof of financial resources generally refers to proof of real estate, cars, financial products, etc. in one’s name.

Take Minsheng Bank as an example. Its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

2. Apply for a card with a card

Applying with a card is the most effective way to get a large credit card. Many cardholders use a credit card that has been used for a long time. As proof of financial resources, you can obtain a credit card with a larger credit limit. Of course, there are still conditions for applying for a card with a credit card.

Taking Minsheng Bank as an example again, cardholders who want to apply for a card must have a credit card with a limit of more than 40,000 and have been used for more than half a year before they can get a standard platinum card.

To apply for a deluxe platinum card, you need to have a credit card limit of more than 80,000, and for a diamond card, you need to have a credit card limit of more than 150,000.

That’s it for the introduction of how to apply for a high-limit credit card.