1. First of all, in the application materials, the bank will mainly consider the applicant's marital status, domicile, annual income, working hours, position and nature of the unit. Generally speaking, having a house and a car is very beneficial for handling high-value cards. The more stable the work unit, the higher the popularity, and the greater the chance of success in handling the card. The success rate of government agencies, state-owned enterprises or Fortune 500 enterprises is higher than that of ordinary private enterprises and small enterprises. Because banks comprehensively score according to the applicant's financial resources and expected development, the application materials must not be sloppy.
It is also a problem to repay after spending 200 thousand with credit card. Due to the large amount, once the repayment is overdue, the interest and late payment fee will be high. In terms of repayment, it is suggested that you contact a savings card for automatic repayment or set a reminder for changing money. So as not to cause overdue repayment. If you have used a credit card before and have maintained a good repayment record, you can also attach it as a proof document, which is helpful for improving the handling of high-value credit cards of 200,000 yuan.
3. Just a reminder, the approval of this 200,000 high-value card is strict. Personally, I suggest you do what you can to meet the basic needs of using cards in your life. You don't have to pursue high-value credit cards too much. When you apply for a card, you usually need 10- 15 days to wait for the result. Don't trust those black intermediaries who easily handle cards online, so as not to be deceived and bring unnecessary trouble to yourself.
What happens if you owe 200,000 credit cards?
If the credit card owes more than 200 thousand, it is not a creditor, and its assets will be enforced after the judgment. Moreover, the debtor's credit information will also have problems, which will limit his consumption. According to Article 89 of the General Principles of Civil Law of People's Republic of China (PRC), the following methods can be adopted to guarantee the performance of debts: 1. The guarantor assures the creditor that the debtor will perform the debt. If the debtor fails to perform the debt, the guarantor shall perform or bear joint liability in accordance with the agreement; The guarantor has the right to recover from the debtor after performing the debt. 2. The debtor or a third party may provide certain property as collateral. When the debtor fails to perform the debt, the creditor has the right to discount or sell the collateral according to law. 3. One party can pay the deposit to the other party within the scope stipulated by law. After the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt, it has no right to demand the return of the deposit; If the party accepting the deposit fails to perform the debt, it shall return the deposit twice. 4. If one party occupies the other party's property according to the contract, and the other party fails to pay the payable amount according to the contract within the agreed time limit, the possessor has the right to retain the property, and the retained property can be discounted according to law or the proceeds from the sale of the property can be returned first. Article 108 A debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay are forced to repay by the people. Extended information: Article 3 of the Provisions on Restricting High Consumption is a natural person. After adopting the consumption restriction measures, the person subjected to execution shall not engage in the following high consumption and consumption behaviors that are not necessary for life and work: (1) When taking the means of transportation, choose the plane, train, ship or above second class; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; (four) leasing high-grade office buildings, hotels, apartments and other places for office work; (five) the purchase of vehicles that are not necessary for business; (6) tourism and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Other consumption behaviors that are not necessary for life and work, such as taking all seats on the G-prefix EMU train and first-class seats on other EMU trains. If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not commit the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who commits the acts mentioned in the preceding paragraph and uses personal property for private consumption may apply to the administrative organ. If the implementation review is true, it shall be allowed.
How to set a credit card limit of 0.2 million/200 thousand these skills are not empty talk.
Now people's desire for consumption is getting stronger and stronger, and their spending power is increasing day by day. Cardholders who are used to spending with credit cards may encounter insufficient credit lines, so it is the most real demand of many cardholders to run a high credit card. How to set a credit card limit of 200,000 and teach you how to do it.
To apply for a credit card limit of 200,000, you need to apply for a platinum card.
Credit cards have different credit limits according to different grades. Generally, the credit limit of ordinary cards is less than 1000 yuan, that of gold cards is less than 50,000 yuan, that of platinum cards is more than 50,000 yuan, and that of unlimited cards is one million yuan. To apply for a credit card limit of 200,000, you must have a platinum card level or above. Unlimited cards are owned by a few high-end people.
Applying for a credit card limit of 200,000 requires mastering application skills.
1, working conditions: industries with high stability can get extra points. For example, civil servants, teachers, doctors and some employees with good welfare benefits, fashion industry and media people will get higher scores because of their strong spending power.
2. Economic ability: You can get a relatively high rating if you have a large deposit certificate and a reliable certificate of high income in the issuing bank.
3. Technical titles: Relatively speaking, people with titles such as engineer, economist, accountant and excellent teachers at all levels can often get extra points.
4. Education status: There is no difference in the credit rating of bachelor degree or below, and the rating of graduate degree or above will be higher.
5, marital status: married will be better than single, and the family is relatively stable in all aspects.
6. Personal housing: you can get extra points if you have a room under your name.
7. Credit record: A good credit record is the basic condition for applying for a credit card.
Summary: How to apply for a credit card limit of 200,000? In addition to the above work, the applicant should also prepare the materials and go to the bank counter in person. It is impossible to apply for such a high credit card through the internet.
How to handle a 200,000 credit card (debit card)?
To handle 200,000 credit cards (debit cards), the following conditions must be met:
1. Is there a fixed telephone in this city (having a fixed telephone in this city means that your residence is stable and will increase the credit evaluation score of the bank).
2, whether to get married (married than unmarried score higher).
3. Whether it is a local account (the score of local account is higher than that of foreign account).
4. Is there a house (a house is higher than no house, and living by yourself is higher than living with parents).
5. Education (the higher the education, the higher the score).
6. The nature of the work unit (the more stable the work unit, the higher the popularity and the higher the score).
7. Position (the higher the position, the higher the score).
To apply for a credit card (debit card) of 200,000 yuan, you need to prepare the following materials:
1. Original ID card.
2, the income and employment certificate issued by the unit, need to build official seal or financial, labor and capital chapter.
3. A large number of financial certificates in my name, such as real estate license, automobile driving license, work income certificate, etc.
4. Certificate of tax payment (you can get your ID card from the local tax bureau and print the latest tax payment form 1 year by yourself).
Eligible users can apply at the bank counter with relevant information.
So much for the launch of 200,000 credit cards.