Everyone wants to apply for a credit card as much as possible, but many card friends feedback that their credit card limit is only a few thousand, so how to apply for a large credit card? Today, Xiao Qin will share with you the special skills of 30,000-50,000 calories. As long as you are a card friend with normal credit information, you can apply for a large credit card with this amount. How? Let's have a look!

First, integrate personal information.

Before applying for a credit card, you must first understand your personal situation. The application criteria of each bank are different. You must first synthesize your personal information, whether there is any bad credit information, work unit, punch card salary, running water, assets in which bank, etc. And choose a bank card that suits your own conditions to apply. Many card friends often apply blindly after seeing others apply for big cards. Most of these results don't know their personal situation.

Second, fill out the application form.

Filling in the credit card application form is an important factor for the bank to judge your card handling situation, and how to fill it out is very important. So we should beautify the data on the basis of ensuring the authenticity of the data. For example, when filling in the income level, you can add social security on the basis of after tax. Provident fund, year-end bonus, various benefits; It is best to fill in the landline number of the work unit and so on.

Third, choose the appropriate bank card type.

1. If you have assets in every bank, you will get twice the result with half the effort. If you don't have assets, combined with your personal situation, such as banks that pay wages by punching cards, banks that have deposits, banks that have wealth management, and banks that usually have running water, these business contacts will increase your internal score in this bank, thus improving the success rate and quota of card issuance;

2. If the above conditions are not met, it is recommended to choose banks with the second and third gradients, such as Shanghai Pudong Development Bank. You can apply at outlets and online. Before applying, you should apply for a savings card of the target bank to create an effective overnight settlement process of 7-45 days. Cash flow does not need to exceed 2-3k, so you can create an effective overnight settlement flow of 5w. Generally, it is no problem to get a card in 3-5w.

Fourth, don't apply for loans frequently.

Whether applying for a credit card or financing, don't apply for multiple banks' credit cards and financing platforms at the same time in a short time, which will directly accumulate too many inquiries for your credit information (what we usually call credit information) and directly affect your success rate and credit card quota; If it has been spent, then stop applying, rest for 3 months, re-establish credit according to the skills of credit optimization, isolate the previous failed application records, and then apply for a card in the way mentioned above, so as to successfully apply for a card.

How to handle a large credit card

If you want to apply for a large credit card, you must have good personal qualifications. Can provide as many assets and financial proof as possible, such as real estate, cars and other fixed assets related documents, social security withholding certificates, bank time deposits, demand deposits and so on.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

The credit card stipulated in the relevant laws of China (Interpretation of NPC Standing Committee on People's Republic of China (PRC) Credit Card Regulations and People's Republic of China (PRC) Criminal Law) 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, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

How to handle a large credit card?

The auditing standards of bank credit card limit include personal credit record, personal property and income level, technical title and work unit, education background and marital status. Therefore, the prerequisite for handling large credit cards can basically be summarized as a good credit record, preferably a high degree of education, high income and high position.

Method of handling large credit cards

1, select the appropriate bank.

If you meet the above requirements for handling a large credit card, which bank does your salary card belong to? Go to the corresponding bank to handle a credit card and tell the bank that it needs to handle a large credit card, and the bank will probably approve it.

2. Negotiate with the bank when handling the card.

In fact, many banks have the task of handling cards every year or quarter. So when you go to a bank to apply for a credit card (especially a relatively small bank), you can negotiate with the bank staff and deposit more money in the savings card of the corresponding bank, so it is possible to approve a large credit card.

Step 3 do business with banks

To apply for a large credit card, you can also deposit in the bank (more than 50,000 yuan) or purchase the bank's wealth management products before applying for a card. After establishing business with banks, the success rate will be higher.

4. It is recommended to apply for a card.

This is a shortcut to get a card, that is, after your friends with high-end cards recommend you, go to the bank to get a credit card, which is also an endorsement of high-end card friends. The bank will probably get a large credit card for you.

How to handle a large credit card

For many cardholders, the higher the credit card limit, the more money they can overdraw, so more and more people expect a large credit card. But the dream is beautiful, but the reality is too skinny. A large credit card is not what you want to do. However, as long as you master some card handling skills, you still have the opportunity to apply.

First of all, let's learn what a large credit card is.

So a large credit card refers to a credit card with a high amount. So, how much can be considered a large amount? Here, we have to start from the credit card level. After all, the credit card level is different, and the scope of credit limit is different.

Credit cards usually include Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. Generally, the limit of general card is no more than 1 10,000 yuan, the limit of gold card is between1-50,000 yuan, and the limit of platinum card and above is 50,000 yuan.

It can be seen that large credit cards usually refer to credit cards with platinum cards and above.

So, how can I apply for a large credit card?

1. Submit a weighty financial certificate:

For large credit cards, the choice of banks is irrelevant. The key is whether the real estate license meets the requirements of this bank. Financial proof generally refers to the proof of real estate, automobile production and wealth management products under the name of an individual.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

2. Use cards to handle cards

It is the most effective way to apply for a large credit card with a card. Many card friends rely on a long-used credit card as proof of financial resources to get more credit cards. Of course, there are conditions for using a card to handle a card.

Let's take Minsheng Bank as an example. To use a card, a cardholder must hold a credit card with a credit limit of more than 40 thousand and a use time of more than half a year in order to obtain a standard platinum card. To apply for a luxury platinum card, the credit card limit required is more than 80,000, and the credit card limit required for a diamond card is more than 1.5 million.

There must be a knack for how to handle large credit cards.

I want to apply for a large credit card, but the credit card limit has increased, but I can't handle it. What should I do? Don't worry, I'll teach you how to handle large credit cards. In addition to all kinds of financial certificates, credit certificates and technical certificates, you must fill in the credit card application form as detailed as possible when applying for a large credit card. When choosing a card, you should know that the credit limit of gold and platinum cards is very different from that of ordinary cards, and different occupations will also affect whether you can apply for a large credit card and so on. Knowing so much, are you still worried about not getting a large credit card?

Tips for handling large credit cards:

First, all kinds of financial certificates, credit certificates and technical certificates escort you.

As far as possible, provide proof of my financial resources, such as income certificate, mortgage purchase certificate, automobile property certificate, real estate certificate, bank deposit certificate, securities certificate, etc. Be sure to repay in full and on time, and don't be overdue, so as to have a good credit certificate. Provide attachments to the bank, such as real estate license, travel book, credit card statement of other banks in the last three months, academic certificate, technical grade certificate, business license of individual industrial and commercial households, business license of enterprise legal person, etc. So that the bank can give a higher amount according to these attachments.

Third, card selection tips, gold card, platinum card and ordinary card, the amount of credit card is very different.

The credit card level is different, and the approval amount is also different. Generally, the average credit card is 3,000-8,000 yuan, the gold card is 8,000-50,000 yuan, and the platinum card is more than 50,000 yuan, but the specific amount depends on your economic proof and personal credit status. Therefore, if you want to apply for a large credit card, you must first choose a gold card or a platinum card.

4. How much points can your career give you?

In the hands of the applicant's industry department. First of all, banks are often government-supported industries. If your industry is not particularly clear, and it is close to many industries, you'd better look for industries with relatively large profits or government support, such as import and export trade. When checking the nature of the unit, it is best to check the large state-owned joint-stock system, and the number of employees is also relatively good. For the department that is not checked, you need to fill it in yourself, so we use our extensive and profound writing skills to cleverly avoid the sales department of the department that banks hate. For example, the sales department can be written as a business department, and the sales specialist can be written as a clerk. Active thinking. If you want to apply for a higher amount, don't be dull.

How to handle a large credit card? Learn these tricks!

Ordinary people apply for credit cards, and the amount of approval is generally not high, about tens of thousands, which is not enough for many people. So someone asked how to handle a large credit card. Briefly, I hope it will help everyone.

1. How to handle a large credit card?

Specifically, it can be divided into two groups of people, one is users who have never applied for a credit card, and the other is users who have already applied for a credit card.

1. Never applied for a credit card: it is difficult for such people to apply for a large credit card. In addition to your monthly salary, you also need to provide relevant asset certificates, such as cars, houses, certificates of large deposits, etc. In addition, advanced academic certificates and personal technical grade certificates can be provided, which can increase the amount of card approval to a certain extent.

I have applied for a credit card: I can use my old credit card as a card. On the premise of providing asset information, I hope to get a large credit card.

2. Which banks have large credit cards?

Bank of Communications Y-POWER not only has a high credit line, but also has a cash withdrawal ratio as high as 100%. There is also JD.COM Xiaobai Card of CITIC Bank; Everbright Tik Tok platinum card, etc. , the amount is relatively high.

The above is about "how to apply for a large credit card? Which banks have large credit cards? " The answer. Generally speaking, large credit cards have higher requirements for applicants. In addition to meeting the basic conditions, you must be excellent in personal assets and credit before you can apply. If you think you are suitable, you can try China Merchants Bank, China Everbright Bank and Industrial and Commercial Bank.

So much for the introduction of how to handle large credit cards.