Since handling credit card business involves certain risks, banks are stricter in reviewing the information of credit card applicants. Especially for such large-amount credit cards, the requirements will be increased accordingly.

The credit card you mentioned with a limit of 50,000 is usually a gold card or platinum card. Taking China Construction Bank as an example, to apply for a gold card you need to meet the following requirements:

1. Annual income of 100,000 or more Above and can provide proof, or deposit more than 200,000 and maintain it for more than half a year.

2. Proof of income also includes social security records, provident fund records, income certificates issued by the company, tax payment records, etc. As for deposit records, they can be passbooks or bank slips.

Of course, there are exceptions. If you are a senior official at or above the division level of a state agency, or an executive of a well-known company, you can apply for a gold card based on your identity alone.

It seems that your monthly salary does not meet the requirements for applying for a gold card. It is recommended that you choose a regular card when applying for a credit card for the first time. It is easier to get the card approved through review. Just go to the bank with relevant supporting documents to apply.