Text messages that haven't been sent in those years

According to my years of experience in banking and using credit cards, I can handle two situations.

1. The card is handled by the card. Generally, there is no bank to handle cards with cards, and the new cards are generally higher than the original cards.

The premise is that you have a credit card now, and the amount may not be high, but it doesn't matter. Remind you to keep a good repayment credit record, even if you keep the minimum repayment amount every month. When I was in college, I only paid the minimum monthly payment for quite a while, but the bank took the initiative to call me and raise the amount for me. Or if you have used your credit card for more than half a year, you can also take the initiative to apply for an increase in the limit through the customer service phone. In this way, your existing credit card limit will continue to increase, which is more convenient for you to apply for high-value credit cards in the future.

2. When applying for a credit card, submit relevant property certificates. Such as automobile production and real estate.

In fact, I personally understand that no bank has a high or low threshold for high-value credit cards, but different banks have different requirements for property certificates, rather than providing them casually, depending on whether the banks accept them or not.

For example, Minsheng Bank, where I worked, divided high-value credit cards into diamond cards (starting from 200,000 yuan), luxury platinum cards (starting from 80,000 yuan) and standard platinum cards (starting from 40,000 yuan). However, the bank does not accept the automobile production certificate. Even if you have a famous car, the only acceptance condition is: use a card to run a card or a house.

You don't need to provide any additional proof of assets to handle the card: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000 (the original credit limit is above 40,000, the standard platinum card can handle it, the luxury platinum card can handle it above 80,000, and the diamond card can handle it above 65,438+0.5 million).

Purchase by real estate: the standard platinum card requires a real estate value of more than 800,000, the luxury platinum card requires 654.38+600,000, and the diamond card requires more than 3.2 million.

According to my understanding of some colleagues around me, Guangfa and China Merchants Bank accept certificates related to automobile production, so different banks have different application conditions. I suggest you consult the credit card handlers who set up stalls in the streets and shopping malls, or call the customer service numbers of various banks.