The maximum limit of a credit card is unlimited.

Banks have different regulations on the maximum amount of credit cards. The better your qualifications, the higher the amount.

The maximum amount of platinum credit card can be as high as 200 to 1 10,000. Moreover, the annual fee for platinum credit cards is generally high.

For example, ICBC's platinum credit card has a quota of 200,000 yuan and an annual fee of 2,000 yuan, and it must be swiped 200,000 yuan every year to reduce or exempt it.

The maximum credit card limit is scored according to your situation. The most important thing is work, which shows your cash inflow ability and stability. The best are civil servants, followed by institutions, followed by large enterprises, foreign-funded companies and so on.

Next is the location. The higher the position, the higher the income, the stronger the solvency and the higher the quality. Credit history, your previous credit card repayment and loan repayment; Education level; Asset status, real estate, vehicles, deposits, etc.

Credit card limit, also known as credit card available limit, refers to the maximum amount you can use with a credit card, including credit limit and the amount deposited in the credit card. The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Improve quota skills

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

/kloc-what is the role of a high credit card of 0/10,000?

Many people who don't play credit cards will be surprised that credit card enthusiasts are desperately pursuing high quotas. Don't you have to pay them back? Even if you spend it in your life, can you use hundreds of thousands of lines? If you only spend 10,000 yuan a month, what's the use of asking for a credit card of 654.38+0,000 yuan?

/kloc-what is the role of a high credit card of 0/10,000?

This is an interesting question. What's the use of high quotas? So many people are flocking, does the high amount make people feel more dignified?

It is true that some novice credit card users regard the high amount of credit card as the capital to show off, but experienced players disdain to show off. For them, higher quotas mean more possibilities and more opportunities. Although some diaosi don't have a high salary, they win beautiful women in love with high credit cards. Shopping malls also make money on both sides, completing the leap from diaosi to white-collar workers and then to rich people.

If the credit card limit is insufficient or there is no credit card, sometimes the living can be suffocated by urine. For example, Xiaowu and Xiaomei are in love and intend to get married, but Xiaomei's father asked Xiaowu to pay 200,000 bride price, otherwise it would be impossible. Xiaowu's family is poor and can't get it out. Although he knows that the custom of the woman's hometown is to give twice the dowry, he can't get enough 200 thousand from relatives and friends, and he can only love Xiaomei. If he has a credit card limit of 0.2 million/200 thousand, he doesn't have to worry. He will spend some handling fees to turn 200,000 yuan into cash for his future father-in-law, and marry Xiaomei home first. Then use 200,000 of the 400,000 dowry brought by Xiaomei to pay off the debt. He not only married a wife for nothing, but also gained 200,000 yuan.

If you can't raise 0.2 million/200 thousand, no matter how deep your feelings are, it's inevitable that you will draw water with a sieve. This is not an alarmist. The year before last, a man in this city couldn't afford a bride price of 200,000 yuan, and his pregnant girlfriend was immediately taken to have an abortion by his father.

You get what you pay for. This is an old saying and a cruel reality. Credit cards may not completely solve your problems, but they can often solve your urgent needs. Two years earlier, when the real-time reimbursement of medical insurance had not been implemented (even now, it was not widely implemented), it was very troublesome to pay a high deposit for hospitalization and then take the documents for reimbursement afterwards. What if I can't get the deposit? Excuse me. What if I can't? Maybe we'll just have to wait till we die. If you have a credit card, you can pay the deposit by swiping it first, and then pay back the credit card after reimbursement. There is a world of difference whether there is a credit card or not.

Of course, having a high credit card is not mainly to deal with these extreme events. More people use credit cards to make money. The higher the amount, the more they earn. Make money with a credit card? Are you out of your mind? What should I do if I lose my money and can't pay my credit card?

Yes, the credit card is a double-edged sword, and the consequences of not returning the credit card are very serious. However, not all investments are high-risk, and some investment opportunities are almost zero risk. This kind of opportunity is rare, but once seized, it may change a person's fate. The premise is that when this opportunity arises, you should have the capital to intervene.

From October 20 14, 1 1/to June 20 15, A shares ushered in a rare bull market in history. In just over half a year, the Shanghai Composite Index rose from more than 2,000 points to more than 5,000 points, and many people made money like running water. Of course, after that, the Shanghai Composite Index flew below thousands of feet, and most people changed from making money to losing money. Only brokers and financial managers have become the biggest winners, brokerage fees have been soft, and financial managers' year-end bonus is too high to believe.

However, I'm not asking you to cash out and stock up. I'm talking about another chance. In the skyrocketing market of 20 14, 1 1 to 20 15, all shareholders earned red eyes. In order to earn more, many people try their best to increase leverage. One way to increase leverage is to open a financing account, mortgage loans to brokers with the stocks in the account, and buy stocks with the borrowed money. Some people rely on leverage to speculate from a million to a market value of over 100 million. But there is a threshold for opening a financing account: a securities account must have more than 500,000 assets. More than 80% investors can't meet this requirement, but in that exciting market, many people want to open it. I have a bold friend who sees business opportunities. He took out 600 thousand from his credit card and cooperated with the manager of a securities company to help people open financing accounts, each of which charged 3000 yuan. He is responsible for paying money and advertising, and the manager is responsible for opening accounts and keeping an eye on customers' accounts. Put 500 thousand into the customer's stock account, you can open a financing account in one or two working days, and then get the money back, and the capital cost can be ignored. And there is almost no risk, and every move of the account is watched by the securities manager. In just over half a year, he opened more than 300 households and took more than 600,000 yuan.

Some people may think that this is a fable, and 3 100 people are driving? You are suspicious because you have never experienced a bull market. At that time, tens of thousands of dollars entered the market, and a daily limit earned thousands of dollars. Many people don't care about 3000 dollars. At that time, I opened a financing account and a Hong Kong Stock Connect (both of which required a threshold of 500,000 yuan), but I met the opening conditions and found no friends. At that time, I also wanted to open another business-the New Third Board. There is no price limit for the New Third Board, and some stocks are up 10 a day, which is very attractive. However, the threshold of the New Third Board is higher and it needs 5 million assets to be opened. As a result, a new third board fund-raising group was born. At that time, the market was that opening a household charged a handling fee of 20,000 to 30,000 yuan.

You can open100,200,000 yuan to easily change the package, which is super profiteering. However, even if the handling fee is so expensive, there are still many people eager to try. I am one of them. In order to invest in the New Third Board, I also bought a book to study and just opened an account.

Unfortunately, most of the progress has taken place in big cities like Beijing and Shanghai. No one in this city does this kind of business. I ran to several small loan companies, and no one believed that there was such good money and refused to take orders. And friends without 5 million can't help me. Of course, fortunately, it didn't work out, otherwise the stock market crash would be miserable. However, no matter whether the stock market goes up or down, people who open accounts with advance funds will always have rich benefits. If you had money and customers at that time, it would not be a problem to earn millions. The point is, there is almost no risk.

Tell me another case that I experienced personally. 2065438+May 2005, Xincheng B-share issued an announcement to delist from B-share, which was absorbed and merged by Xincheng A-share and re-listed, that is, B-share was changed into A-share. According to the announcement, the conversion price of Xincheng B is 1.3 17 USD/share, and each Xincheng B share can be converted into 0.827 Xincheng A share. After the conversion, the issue price of Xincheng A is 9.82 yuan. In other words, if the comprehensive cost of buying new town B is lower than 9.82 yuan of new town A, you will have the opportunity to arbitrage. As soon as the news was announced, Xincheng B pulled the daily limit of 10, and many people were eyeing this arbitrage opportunity. Prudential B rose from $0.40 to $2.50, and then fell below $2 with the A-share stock market crash in June. On July 8, 20 15, a once-in-a-lifetime arbitrage opportunity was born-the word B shares of Xincheng fell to 1.26 dollars that day!

What does this mean? On that day, the exchange rate of RMB against USD was 0.63, 1.26 USD, which was 7.938 RMB, which means that you can buy new shares with an issue price of 9.82 RMB at 7.938 RMB, with a discount of 23.7%! Even if Xincheng A is listed and broken, 23.7% of the safety mat is thick enough, and the probability of loss is very small. What if it skyrockets? In fact, the merged new town A 198% was listed on February 4, with a closing price of 29.35 yuan, almost four times the share price on July 8!

You don't even have to wait until July to 65438+February to make money. On July 8, when Metro B fell, smart investors quickly stepped in. The second day, the daily limit of Xincheng B rose, and on the third and fourth days, it rose by 4%. If you can temporarily raise 3 million yuan to buy, you will only get the first daily limit and earn 300 thousand. There is a discount of 23.7%, and the cash option is 1 USD (if you don't want to exchange shares, you can sell it to the major shareholder at 1 USD). It can be said that the probability of making money is 100%, depending on whether you have bullets ready.

I took part in this arbitrage, but unfortunately I failed. The reason for the failure is that at the critical moment, I ran out of bullets. In the process of Xincheng B falling from $2.50, I started to buy in four batches prematurely in June, and lost money before dawn.

When this super buying opportunity was discovered on July 8, there was no money in the account. At that time, I considered selling A shares in my account, but it was too late to change RMB into US dollars. In addition, I was on a business trip in other places, and I had no conditions to withdraw money from my credit card, so I had no choice but to miss the opportunity. This is my most regrettable miss. Unfortunately, this opportunity doesn't only exist for a minute or an hour, but all day. On July 8, Xincheng B fell all day. As long as you have money, you can definitely buy it. If I hadn't been on a business trip that day, I would have borrowed hundreds of thousands of dollars. Unfortunately, nature makes people.

Opportunities only favor those who are prepared. 100% There may be few opportunities to make money, but there is never a shortage. What is lacking is people who are prepared. Raise a soldier for a thousand days, and use it for a while. Credit card, sometimes a soldier, seems to be ok without him in peacetime. When the war comes, he can defend his country and expand his territory. Credit card is a soldier, and high credit card is equal to many soldiers. Never heard of Han Xin ordering soldiers-the more the better?

Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.

/kloc-how to handle 0/10,000 credit cards?

You can apply for a platinum credit card of 6,543,800+million at a bank outlet, but you must obtain the recommendation of the bank (the outlet is a branch or sub-branch). Only the recommended customers have the opportunity to get a higher amount. In addition to good relations with banks, there are only some ways to get recommendations. The easiest way is to save a sum of money and get the VIP customer qualification of the bank. After getting the qualification, you can often get tens of thousands or even hundreds of thousands of credit cards. You can transfer money when you get the card. You can get a bank recommendation by purchasing funds and so on.

If you want to apply for a large credit card, you must fill in the application form as detailed and complete as possible. For the contents in the credit card application form, many applicants will skip the non-required items in order to save trouble. However, according to Bian Xiao's survey, the more complete your information, the higher the pass rate of bank approval of large credit cards. There are several items that can increase the most points. The remaining fixed telephone numbers are the fixed telephone numbers of the city. Marital status is married, household registration is local household registration, and real estate such as real estate or car is owned. Credit cards can be divided into ordinary cards, gold cards and platinum cards. The so-called high-limit credit cards are generally high-limit platinum cards and diamond cards. Platinum cards and diamond cards are both credit cards with high credit lines, and the maximum credit lines of platinum cards and diamond cards can reach 200,000 to 6.5438+00,000.

1. In fact, the most effective way to handle 1 10,000 credit cards is the real estate license, driver's license and high insurance policy. In fact, the most important thing is how to combine the certificate, ticket and bill reasonably. Appropriate material combination will increase the credit line by nearly 300%~800%. Provide other materials that can prove their qualifications or qualifications, such as other bank card account opening letters or statements, certificates of large time deposits, VIP customer cards of other banks, professional certificates (lawyer certificates, accounting certificates, etc.). ). Analysis of the essence of bank credit card business: First of all, banks are enterprises that manage funds and make profits through deposit and loan spreads. As long as it is an enterprise, no matter what type of enterprise, it depends on profit. Banks run their business for profit.

2. Secondly, credit card business is one of the many business types of banks, and it is also a form of bank profit. The main methods are: interest, late payment fee, installment service fee, merchant contract promotion and installment consumption service fee. Psychological game analysis between banks and cardholders: the psychology of banks is very contradictory. On the one hand, they are afraid of risks; On the other hand, they want to make more money. Cardholders not only want more and more money, but also want to reduce unnecessary expenses and waste. The money the bank gives you is used to make money. It's not a philanthropist. When you are in trouble, it will give you timely help. If you can't earn the income standard of the benchmark interest rate loan, it's best not to give it to you. It's best to give it to other people who can make money. It is best to seal the card or reduce the quantity. Remember: first, let the bank feel safe, and second, let the bank make money (the benchmark mortgage interest rate for income is the same).

Save Xiao Bai, how to have one million credit cards! ㈠

Many workers in the factory only know how to work and save more. However, I didn't know that financing and investment were also financial management. If you want to counterattack from factory work to financial freedom, you must first start with credit cards.

Here is how the factory elder brother teaches you how to increase the credit limit, so that you can go from small white to millions. It means that as a mortgage bank, you can give you more than 3 million loans without spending a penny, because in addition to the credit card10 million, there are huge credit loans such as e-loan, easy-to-enjoy loan, universal fund and wealth management fund, not counting online loans such as Ant Borrowing, Jindong White Loan, Pleasant Loan and Renren Loan.

What kind of value this money can produce depends on your control ability, which may make your career successful, but it may also make you beyond redemption. Of course, I will definitely teach you to take the right path, because I know that the realization of any dream requires money. I will teach you how to build a good self-credit, so as to borrow more money from the bank to help realize your dream! Instead of teaching you how to spend your youth in advance, both are in your mind. Please remember, give you light.

As far as credit cards are concerned, banks lend us money for only one purpose, to make money!

One is to earn the merchant's handling fee by swiping the card;

Second, earn the cardholder's money by installment.

There is a crucial consideration here: although the credit card has an interest-free period, it should not be understood that the bank lends me money for free. I don't pay any benefits and ask the bank to give me a high amount. Don't even think about it!

Banks only consider three points when borrowing money:

1. Do you have repayment ability (assets, stable income)?

2. Will you pay it back on time (don't be overdue, pay it back on time)?

3. Whether it is profitable (multi-brush and multi-purpose, occasionally in stages)

How to be a quality customer? Let's analyze them one by one:

First, the bank examines your repayment ability. At this stage, your job, savings, education, real estate, car production and all your economic parameters are taken into account by the bank. Any normal person can tell the pros and cons of these things. According to the thinking of normal people, the bank has compiled a set of data scoring standards. The higher the score, the higher the probability and amount of card disengagement.

Second, the bank will check your willingness to repay, that is, whether you will repay on time and whether you are a trustworthy person. At this time, you have one or more credit cards with high credit limit, and they have been used normally for a long time, and there is no overdue. This is a great reward. The bank will think that this is an old Jianghu and will not mess around. At this time, it will give you a credit limit according to the credit limit and reputation of your other cards, although many banks have made it clear.

The above two points can be summarized and scored to decide whether to grant you a card and how much. However, no matter how good these two conditions are, ordinary people directly apply for more than a dozen banks, and the total number of cards approved will not reach one million. Therefore, there is an important principle here. For ordinary people, high-value cards are basically not in one step, and it is unrealistic not to ask how to handle high-value cards.

For a person with poor qualifications, as long as he can bear hardships and stand hard work and have a stable and legal income, he is qualified to become a high-quality customer of the bank. The ultimate law of credit card: moving bricks, swiping cards and staging.

At present, I am not a professional financial practitioner, and all the conclusions are from the perspective of credit card holders. The following analysis is based on the card holding situation of myself and my relatives and friends around me, combined with comments from all over the Internet. Please combine local and self-related conditions for reference only).

1, Aunt Bank (alias: Cosmos Bank, abbreviated as ICBC, formal name: China Industrial and Commercial Bank Co., Ltd.)

It is said that most of the employees in the outlets of the world's largest bank are aunts, hence the name. The threshold of the approval card is not very high, but only the flow of water is also not high. The weakness of ICBC is the daily average, that is, approving cards by money. Generally speaking, the average daily deposit for three months is 654.38+10,000, and the number of cards is 50,000. Of course, there are other factors to consider, and the withdrawal amount is also very violent. If the daily average is reached, it will be directly raised.

2. Xiao Jian (abbreviation of China Construction Bank, formal name: China Construction Bank Co., Ltd.)

Why is it cheap? Maybe it's too stingy. The quota is very low, and it is still improved by system evaluation without manual intervention. Many 30,000 yuan are life-long quotas, but CCB still has its own personality and cares about multi-head credit granting (the number of cards can't exceed five, of course, a few people get cards above 10, but this is generally the case).

3. Laonong (hereinafter referred to as China Agricultural Bank, formal name: China Agricultural Bank Co., Ltd.)

The style is relatively conservative, so the requirements for cardholders are high, and the nature of cardholders' units is very important. Many people go to the counter to get a card, and the teller won't even give you a chance to fill out the form. What unit? Is there social security? Is there a provident fund? These three axes directly cut off countless filaments. The initial amount of the entry card is more than 5000 yuan (inclusive), so I can tell you responsibly that this card is just around the corner, because the old farmer does not look at the daily average, does not look at the debt, but only looks at the contribution!

4. BRICS Bank (abbreviation of China Bank, official name: China Bank Co., Ltd.)

Once a year, there is a chance to increase the amount. This bank doesn't mind multi-head credit granting, and supports card processing. Will refer to the line of your other bank.

5. Jiao Xiao (abbreviation of Bank of Communications, official name: Bank of Communications Co., Ltd.)

The threshold is extremely low, but your qualifications and quota are also low. There is no point in putting thousands of cards, but it will become your burden, because Jiao Xiao is also an extremely difficult line to raise the amount. Systematic evaluation, manual intervention, thousands of food cards you want to mention, it is difficult to do, but Jiao Jiao has an advantage, with many discounts and thick wool.

6. Xiao Zhao (abbreviation of China Merchants Bank, official name: China Merchants Bank Co., Ltd.)

Do not support card processing by card, and do not refer to the quota of other banks; As long as you have a formal job and have been employed for more than three months, your education is almost enough, which only affects the initial quota and does not affect graduation. Your's feelings can be cultivated later; Third, there are many preferential activities in Xiao Zhao, and daily use is also very intimate.

Xiao Zhao is very concerned about the upper limit of the total credit line. If the total amount of other banks is high, it is difficult to increase the credit line.

7. Monkey Bank (abbreviation of Pudong Development Bank, official name: Shanghai Pudong Development Bank Co., Ltd.)

Our platinum card = Puka and other gold cards. 2000 yuan pure white, you must have seen and heard too much. There is no trace of the card release standard, and the cards are jumping up and down in batches. This is what monkeys can do, but I have already made a quota of 200 thousand!

8. Xingye (abbreviation of Xingye, official name: Industrial Bank Co., Ltd.)

Of all my cards, I sell the installment phone the most. There are several platinum cards with a rigid annual fee. As long as I get off the card, whether it is activated or not, I will charge an annual fee immediately, which cannot be reduced. I learned from the customer service that I am also very concerned about the total credit line and multi-head credit.

9. Iron Rooster (short for CITIC, formal name: CITIC Bank Co., Ltd.)

As we all know, the funds raised are relatively small, but wool is acceptable. It is said that the card handling rate in different places is the highest.

10, Logger Vick (short name: China Everbright Bank Co., Ltd.)

Nothing special, the indicators are average, the preferential activities are acceptable, and the interview session is the easiest!

1 1, Minsheng (abbreviation of Minsheng, official name: China Minsheng Bank Co., Ltd.)

Because people's livelihood does not support card handling in different places, the quota is relatively stable. If it is not used for a long time, it will actually reduce the quota.

12. Abandoned bank (short name: Guangfa, official name: Guangfa Bank Co., Ltd.)

Because the withdrawal amount is stable, you should pay attention to the gold card, and it is said that platinum is not good. Don't rush into platinum yet.

13, Huajie (short for Huaxia, formal name: Huaxia Bank Co., Ltd.)

To upload copies of various credit certificates online, it is said that you don't care about debts, you don't mind asking for more, and the amount is ok.

14, Ping An (abbreviation: Ping An, formal name: Ping An Bank Co., Ltd.)

The risk control is strict, the amount is stingy and the amount will not be too high. Car owners can think about it and insurance sales will follow.

15, Laoyouzi (short for Postal Savings, official name: Postal Savings Bank of China Limited)

This largely depends on your qualifications, especially your work unit, which is different inside and outside the system. It's not that there is no hope outside the system. In local private enterprises, legal persons can approve cards, and so can self-employed individuals. The amount is unknown, but I have seen many preferential activities of old candidates, and I heard that the amount is acceptable.

This concludes the introduction of million credit cards and how to obtain them. I wonder if you have found the information you need from them?