What is the credit card limit of 1, yuan
In general, a credit card with a limit of 1, yuan belongs to the platinum card level, which is equivalent to a high-level credit card. Besides the overdraft limit, this card can also enjoy special rights that ordinary credit cards do not have. At present, individual customers of this kind of credit card can't take the initiative to apply, and they need high-quality customers invited by the bank to apply for the card.
how can I get a high credit card when I apply for a card for the first time?
Generally, friends who apply for a credit card for the first time are white credit households, that is, they have no credit history, so the bank can't judge their willingness and ability to repay. Therefore, it is difficult to apply for a large credit card, but it is not impossible.
However, it is recommended that you don't think too much about the credit limit when you apply for a card for the first time. The most important thing is to choose a credit card that suits you.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the credit card standard is CreditCard[3].
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
credit card features
cash is not allowed to be deposited, and it can be repaid after consumption, with an interest-free repayment period, and it can be repaid by installments (with the minimum repayment amount), and it can be used globally by joining international credit card organizations such as VISA, MasterCard and JCB. It is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range. At the same time, it has two functions of payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards. It is a high-tech product integrating financial business and computer technology.
it can reduce the use of cash currency. Can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedures and save social labor. Can promote commodity sales and social needs.
How to handle 1, credit cards
The threshold for applying for credit cards in China is really not high, and it is very simple to handle credit cards. Of course, this mainly refers to handling general cards and gold cards. If you want to apply for a platinum credit card with a higher amount, the conditions you need are of course very demanding. 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 1, yuan.
first, apply for the credit cards of the four major banks.
1. First, reject the Bank of China, and raise the quota once a year. If it fails to pass one year, you can apply again.
2. Agricultural Bank of China has an interest-free period of 56 days, and it will be withdrawn once in March. There is no upper limit on the amount of withdrawal, so it is worth having. What Agricultural Bank credit card must not do: you can't withdraw cash from ATM, remember.
3. Industrial and Commercial Bank of China (ICBC): Once in March, if you can afford to spend one week, I will give it to you. If you are lucky, the amount can be doubled several times. Interest-free for 56 days, and the installment fee is the lowest in all banks. Without ICBC's credit card, you are a layman.
the shortcut to getting rid of the general knowledge: brush the contribution star. Don't disclose the specific method.
Tip: You can't apply for platinum immediately after 6 stars. Please be careful with ICBC to check you. It is found that you can't apply for it for 2 years, so just apply for a gold card.
If the online application fails, you can apply again in a few months. Every day, you will be carefully placed on the gray list. The black house will last from June to two years, and you can't apply for any credit card of ICBC during this period.
4. China Construction Bank: it will be withdrawn once in June, with 5%-6% each time. Ordinary cards and gold cards are of the same level, and the upper limit is 1,. Overpayment is free of charge. Platinum card capped at 2,.
Shortcut: I personally take the test. Two cards are swiped separately, and the amount is withdrawn separately, so it will be withdrawn once in March, and 1% can be withdrawn in half a year.
if you have more places to swipe your card, you can also apply for 3 or 4 cards, which is theoretically equivalent to the above.
tip: CCB likes small amount, multiple times, entity and occasional installment.
apply for a platinum card with a quota of 3, yuan, and try to apply for a world platinum card with a quota of 1, yuan and 5, yuan.
All bank withdrawals will kill you, and China Construction Bank is especially useful: swipe US dollars. No matter how many capable Haitao people have nothing, go to the Hong Kong Red Cross or UNHCR for a single sum of HK$ 1, which is equivalent to more than RMB 8 cents. If you are not willing to give up this 8 cents, congratulations, you are a miser and honestly brush the supermarket.
This way, depending on your own conditions, the number of times and the amount of credit card swiping, you can basically reach 1, a year if you are quick. There are also 1, yuan for two years. Then go and apply for a card. Except for the four major banks, the amount of cards used by many banks will not be lower than that required by the four major banks to use other banks' credit cards for half a year or more, except that China Merchants Bank does not support cards.
At this time, the problem appeared again. Even the ordinary credit card of small banks will not exceed 1, yuan.
never mind, there are still some methods. You apply for a platinum card first, then a gold card, and then the quota is leveled. OK, you have a 1, card.
Platinum cards are generally valid for 5 years. You can cancel the card first. After many banks cancel the card, your limit will not be 1,.
put the platinum card first, and then sell it after 5 years.
Note: Industrial Bank charges an annual fee if you don't open a platinum card.
Bank of Communications Platinum needs an invitation, so you are not allowed to apply. How to supplement the amount of gold card and Puka card of Bank of Communications: brush enough times to avoid annual fee, and don't use it if you leave it.
The more the Bank of Communications uses it, the less it raises the amount, and the chances of raising the amount after freezing for half a year are greatly reduced.
citic bank will apply for the platinum with an annual fee of 2.
Minsheng Bank Haobai started with a quota of 1, yuan, with an annual fee of 3,6 yuan and a standard fee of 5, yuan. There is no annual fee. Minsheng Bank cannot apply for Tongbao Platinum, which has no interest-free period.
The secret of Minsheng Bank's withdrawal: curve method. When year of the snake came, the system was upgraded, but now it seems that it will not work.
Ping An Bank has a 1% hidden over-limit line. The shortcut to increase the line is Ping An Mall, which is not explained here. Go to the corresponding section yourself if necessary. This method is still effective.
how to apply for a credit card of at least 1, yuan?
to apply for a credit card of at least 1, yuan, you need to have good credit information, meet the requirements of the bank, and provide enough property certificates (cars, real estate, securities, deposits, etc.) and income certificates, before you can apply for it.
Requirements for credit card application:
1. Age requirements: 18 to 65 years old.
2. Income and asset requirements: stable occupation and income.
3. Credit and ability requirements: Good credit and ability to repay and pay interest on time.
4. Have full capacity for civil conduct.
5. provide the original documents.
Extended information
If you want to apply for a high-value credit card, you can do the following:
1. Move a brick to handle the card: Many high-value credit cards in banks can give cardholders a high credit overdraft limit, so the requirements for cardholders are very high, and sometimes applicants are required to deposit a certain amount in the bank before they can handle it. In order to apply for this card, some applicants need to transfer the deposits of other banks to this bank, which is called moving bricks. Doing cards in this way is called moving bricks to do cards.
2. Provide enough card application materials: In addition to the general card application materials, it is best to provide proof of fixed assets such as real estate and vehicles, and the above proof materials can also play a plus role in applying for a large credit card.
3. Decentralize card processing to increase the total amount: As mentioned above, it is usually difficult for the applicant to get a credit card with a limit of 1, at a time. Then, we might as well spread out and do more, paying attention to the credit cards from different banks, so that multiple credit cards can increase the total credit line of cardholders.
4. apply for the card first and then withdraw the amount: if you can't apply for a large credit card at one time, I suggest you apply for a credit card first and then gradually increase the amount. As long as you master the rules and skills of credit card withdrawal, it is easy to raise the limit.
This is the end of the introduction about the 1,-yuan credit card and how much interest you have to pay on the 1,-yuan credit card a year. Did you find the information you need?