How to apply for a large-deposit credit card and make money immediately

A large-deposit credit card can always help people solve a lot of difficulties, but not everyone can apply for it at once When it comes to credit cards like this, more and more people are applying for credit cards, and the limits are also high and low. How to apply for a large credit card has become the pursuit of most cardholders. Today I will teach you a few tricks to make you rich immediately.

1. Apply for a small credit card limit increase

Not everyone can reach the top in one step and directly apply for a large credit card. If the conditions are not good, then start with Puka Gold Card. The general card is about 1,000-20,000, and the gold card is generally about 10,000-50,000. Generally speaking, ordinary and gold cards usually have a fixed limit of 50,000 and will be capped.

For those who can only apply for regular cards, don’t be impatient. As long as you maintain good consumption and repayment habits, and have a good credit record, most banks will take the initiative to increase your credit card limit for you.

2. Provide rich and sufficient financial proof

The more sufficient the financial proof is, the higher the credit card approval limit may be. Many banks require a car worth more than 300,000 yuan or a house worth 1 million yuan to apply for a platinum card. Being able to provide additional proof of financial resources, such as proof of real estate, vehicle ownership, large deposits, financial products, etc. can add points to apply for a large credit card. Be sure to show all your financial resources.

3. Apply for a card with a large card

For applying for a card with a card, if you have a platinum card, you can directly use the large card in your hand to apply for a large credit card from another bank. . However, in recent years, many banks have not paid much attention to applying for a credit card, and your debt ratio is very important. If you don't use the card well or the debt ratio is too high, it will be difficult to empty the card, so how to cover the debt ratio of the card during the card application process is the key.

4. Choose the right credit card level

The credit card limit changes according to the level. Card applicants must first choose the right credit card level. The general limit is 3,000-10,000 for regular cards. Yuan, 10,000-50,000 yuan for gold card, and more than 50,000 yuan for platinum card, but the specific situation depends on the financial proof provided by you and your personal credit status. Therefore, if you want to apply for a large-amount credit card, you must choose the right credit card level.

5. Fill out the application form carefully and truthfully

When filling out the credit card application form, there are several important contents that will affect the bank's rating of you. If you want to apply for a large credit card, you must meet the requirements Under the following conditions, the amount will be higher.

1. Income: The higher the income, the higher the bank’s credit score for you;

2. Whether you have a house: owning a house has a higher score than not having a house, and living by yourself has a higher score than having the same score as your parents. The score for living in the city should be higher;

3. Whether the household registration is in this city: the score for the household registration in the city is higher than the score for the household registration outside the city;

4. Whether the person is married: the score for the married is higher than the score for the unmarried High;

5. Education level: the higher the education level, the higher the score;

6. Nature of work unit: such as government institutions, large state-owned enterprises, and Fortune 500 companies. are relatively high, while unknown private companies and small foreign companies have lower scores.

Many people want to apply for a large-amount credit card, but formal channels are not enough, so they choose to apply for a large-amount credit card through mobile stalls from unknown sources, online "agents", and spending money to buy introduction codes. . It is recommended that everyone stay away from these informal channels and never seek medical treatment in a hurry.

Tips on how to apply for a large-amount credit card

What should I do if I want to apply for a large-amount credit card and the credit limit is increased, but I don’t know how to apply? Don’t worry, I’ll teach you step by step how to apply for a large credit card. In addition to having various financial certificates, credit certificates, and technical certificates to protect you, when applying for a large credit card, you must fill in the credit card application form in as much detail as possible. When choosing a card, you must know the difference between gold card, platinum card, and The credit limit of ordinary cards is very different, and different occupations will also affect whether you can apply for large credit cards, etc.

Knowing so much, are you still worried about not being able to apply for a large credit card?

Tips for handling large credit cards:

1. Various financial certificates, credit certificates, and technical certificates will protect you

Provide as much personal information as possible Proof of financial resources, such as income certificate, mortgage purchase certificate, car ownership certificate, house ownership certificate, bank deposit certificate, securities certificate, etc. Make sure to repay your loan in full and on time, and don't overdue it so that you have a good credit record. Provide attachments to the bank, such as real estate certificates, travel books, credit card statements from other banks in the past three months, academic certificates, technical level certificates, individual business licenses, corporate business licenses, etc., so that the bank will respond accordingly. According to these attachments, the quota will be approved to be higher.

3. Tips on card selection. The credit limit of gold card, platinum card and ordinary card is very different.

Different credit card levels have different approval limits. Ordinary cards are generally 3000- 8,000 yuan, 8,000-50,000 yuan for gold card, and more than 50,000 yuan for platinum card, 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.

4. How many points can your occupation add to you

Based on the applicant’s grasp of the industry department to which he is employed. First, let’s look at the industry. Banks tend to prefer industries supported by the government. If your industry does not have a particularly clear concept and is close to a variety of industries, it is best to select industries with large profits or government support, such as importing and exporting. Export trade. When selecting the nature of the unit, it is best to select large state-owned joint-stock companies, and the number of employees is also better. If the department you work for is not checked and you need to fill it in by yourself, then use my country's extensive and profound writing skills to cleverly avoid the sales department, which is the department that the bank is more disgusted with. For example, sales department can be written as business department, and sales specialist can be written as clerk. The thinking should be active. If you want to apply for a higher quota, don't be dull.

How can I get a credit card with a large limit? These three methods are more effective

The credit card limit determines the level of overdraft consumption. Many cardholders want to have a credit card with a large limit, but they don’t know what to do. In fact, applying for a large credit card is not something that can be done casually. You must first make sufficient preparations, and then you must master the method.

How can I get a credit card with a large limit?

1. Make preparations well

Check your credit and see if there are any bad records, such as if you are currently overdue, or have been overdue three times in a row or six times in total in the past two years. Just don’t try it. It’s best if you don’t have bad credit. Then look at the credit card to see how much unpaid debt you have. It’s best not to let your debt ratio exceed 50. Once you do this, you can apply for a card.

2. Tips for applying for large-amount credit cards

Choose banks with low thresholds and generous credit limits. If the four major state-owned banks do not have certain economic strength, it is better not to try, like Minsheng You can try it with banks, Industrial Bank, and China Guangfa Bank. There are three most effective methods:

1. Submit proof of financial resources: Large credit cards have high limits and have certain requirements for the applicant's assets. For example, the Minsheng Standard Platinum Card has a starting limit of 40,000, and you must own a property worth at least 800,000. If you can provide proof of the property in your name, it will be easier to get a large-denomination card, and Minsheng will also recognize the house that is being repaid.

2. Apply with a credit card: This is the most effective way to apply for a large credit card. You need to provide a credit card with a usage period of more than 1 year and a limit of more than 30,000 as card application information. If you apply for a credit card from another bank, under normal circumstances, the credit limit that can be applied to the card will be higher than that of the original card, provided that the original card has good card usage behavior.

3. Curve card application: Get a large-value card by applying for second or third cards. The premise is that the first card must have at least 6 months of bills and good card usage behavior. The credit card level you apply for is higher than the first card. For example, if the first card is a gold card, apply for a platinum card.

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 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.

How to apply for a large-amount credit card

Everyone who applies for a credit card wants to have as much credit card limit as possible, but many cardholders report that their credit card limit is only a few thousand. , so how can I apply for a large credit card? Today Xiao Qin will share with you some special tips on how to apply for a credit card with a limit of 30,000 to 50,000 yuan. As long as you are a cardholder with a normal credit score, you can apply for a large credit card with this limit. Let’s take a look at how to do it!

1. Integrate personal information

Before applying for a credit card, you must first understand your personal situation. Each bank has different application standards. You must first integrate your Personal information, whether there is any bad credit report, workplace, whether there is a check-in salary, whether there is turnover, whether you have assets in which bank, etc., choose the bank card type that suits your conditions to apply. Many card friends often see After others apply for a large-deposit card, they blindly follow the trend and apply without understanding their own personal situation. Most of these results will be rejected, so it is important to understand your own personal qualifications.

2. Fill in the application form

Filling in the credit card application form is an important factor for the bank to judge your card application. How to fill it out is very important. Therefore, on the basis of ensuring the authenticity of the information, it is necessary to beautify the information to a certain extent. For example, when filling in the income level, you can add social security on an after-tax basis. Provident fund, year-end bonus and various benefits; it is best to fill in the landline number of the work unit, etc. for the contact number.

3. Choose the right bank card type

1. If you have assets in each bank, then choosing this bank will get twice the result with half the effort. If you have no assets, combine your personal situation, such as a bank that punches in and pays wages, a bank with deposits, a bank with financial management, a bank with regular flow. These business dealings will increase your internal score in this bank, thus improving the success of card application. Rate and limit;

2. If none of the above conditions are met, it is recommended to choose the second and third grade banks that are better for issuing cards, such as Communications Pudong Development Bank, etc. You can apply at branches or online. Before applying, apply for a savings card from the target bank and create an effective overnight interest settlement flow of the savings card for 7-45 days. If the cash flow is small, use 2-3k cash and create an effective overnight interest settlement flow of 50,000. Generally, No problem if you have a card worth 3-50 thousand dollars

4. Don’t apply for loans frequently

Whether you are applying for a credit card or financing, don’t apply for credit cards and financing platforms from many banks at the same time in a short period of time. It will directly cause your credit report to accumulate too many inquiries (what we usually call credit report expenses), which will directly affect your card application success rate and card withdrawal limit; if you have already spent money on it, stop applying and rest for 3 seconds. Months later, we simultaneously reshape the credit report according to the credit information optimization techniques, isolate the previous failed application records, and then apply for the card according to the method mentioned above, so that we can successfully apply for the card.

How to quickly apply for a large-amount credit card

Generally, the conditions for applying for a large-amount credit card are as follows:

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

2. Aged between 18 and 65 years old.

Other conditions for applying for large-limit credit cards:

1. Whether you have a house (owning a house will score higher than not having a house, and living by yourself will score higher than living with parents);

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2. Educational level (the higher the education level, the higher the score);

3. Salary unit and position

Applicants for large-value credit cards have better employment units. , if you want to successfully apply for a large credit card, if the applicant has a higher unit position or professional title, it will be easier to obtain approval.

4. Proof of financial resources

To successfully apply for a large-amount credit card, the applicant must provide proof of financial resources, including deposits and other financial assets exceeding 200,000 yuan. Proof of real estate in your own name and certificate of vehicle driving license.

If you only meet one or more of the conditions for applying for a large-deposit card, then you must pay attention to the following issues:

1. Formal application methods

When some criminals illegally sell credit cards, they will use other people's information to apply for credit cards and then sell them to others. If you purchased or applied for a credit card through informal channels before, problems may arise when applying for the card. Not only will the application fail, but the previous credit card may also be blocked by the bank, resulting in a bad record.

2. Authentic application materials

When you apply for a credit card, use a copy of your ID card, a copy of your credit card, and proof of financial resources, including a copy of your real estate certificate and a copy of your vehicle driving license. The files, etc. are real and valid.

3. Good usage record

Keep a good usage record, have no expected repayment records, and have not used the credit card for malicious cash-out behavior, etc.

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