How to apply for a credit card limit

I don't know if you're asking about the limit, so I'll give you a credit card limit

1. Apply for the first card first to apply for a bank that is easier to get a card

If your salary is punch pay, then choose the bank where you punch in and out. This is important because the bank where you pay is better aware of your income, so the approval rate will be higher if you apply, and the amount will be slightly higher.

In addition, the first card bank is also particular. For example, if you want to have a higher pass rate, then choose commercial banks such as CITIC, Ping An, and China Merchants Bank. If you want to have a higher limit of two and three cards in the future, you can choose the four major banks of the Ministry of Industry and Agriculture.

Because the card issuance rate of the four major state-owned banks is lower, but the commercial banks are still very interested in the credit card limit of the four major state-owned banks, so when you apply for a card in the future, the amount you get will basically not be lower than the limit of your first card.

2. Choose an application channel that is easy to get a card

Compared with going to the bank counter or the salesman to apply for a card, online application is the easiest and most convenient way to apply for a card, and it is also a recommended channel for people with poor qualifications to apply.

Because there are few materials to fill in for online application, few certificates to be provided, and some banks still use machines to review, the pass rate is relatively high.

Of course, there are also disadvantages of online application, that is, the amount may be lower. But it doesn't matter, there are many ways to raise the amount, but whether you can pass the review and get off the card is only this one chance.

3. Do a good job of data packaging

Many people do not plan the content of the information when applying for the first card, and they all write what they want. In the end, he was either rejected or got a shopping card of hundreds and thousands, and finally lost it angrily.

How to pack it? For example, your annual income can include all of your income**, and your income that is not very stable outside of full-time employment can also be multiplied by 12; Your position can also be filled in a little better, even if you have a primary school education, you have to fill in high school, you can also write a junior college, and some pheasant university qualifications are not found on the academic letter network.

Finally, I want to say, in fact, the company you work for can also be properly beautified, as long as you collude with the colleagues who pick up **, don't be recognized by the bank, if you make up the company is tall enough, then there will be a surprise under the card limit.

4. Pay attention to the return visit and the receiving address

Be sure to fill in the company address about the receiving address, of course, if your company is made up, forget it.

Return visit, if the bank customer service calls to ask you what the company does, the fruit seller will say that it is a green health food industry, the car repair will say that it is a 4S shop, and the street barbecue stall will say that it is a catering industry....Because there was a friend around me, when he received a return visit from the bank customer service, he said that he was a credit card, and finally the customer service directly wished him a happy life.

Of course, if it is a counter application or a salesman comes to handle it, it is helpful to apply for a credit card if you can provide some proof of assets while providing proof of income.

2.Apply at the corresponding bank branch.

3.To apply for a temporary credit, the cardholder must have had their credit card active for at least 3 months and be in good use. If you want to apply for a fixed limit, you need to have activated your credit card for at least 6 months before you can apply.

4.If you go to the counter of the bank to apply for a card, there is a high probability that you can apply for a large amount of bank card.

Extended Information:1Most people's credit card limit for the first time will be less than 10,000 yuan, and if the nature of the work is better, the limit may be increased; In fact, the credit card limit is related to the use of the credit card, and if you often use the credit card to consume, you can use the credit card no matter what product you buy, and you can get the opportunity to increase the limit.

2.Increase the limit of your credit card:

1) After using a credit card consumer loan, you must repay the loan on time, which is the most important basis for the bank to determine the repayment ability.

2) You can usually use the temporary quota, which will make the bank feel that the existing quota cannot meet the demand, and will give you the quota first;

3) After a period of use, if there is a demand for the limit, you can directly call the bank's customer service** or go to the bank counter to handle it, and the bank will check whether to raise the limit according to the consumption situation in the recent period of time.

3.If the cardholder does not open the card, and the bank deducts the annual fee from the card limit, the cardholder does not repay the loan on time, resulting in overdue, which will affect personal credit. If the card is not a hard annual fee, and there will be no charge if it is not activated, then the cardholder will not be charged if the card is not activated after the card is issued, and there will be no problem that the fee will affect the credit investigation.

4.If the card is not activated after the expiration date, the card will be invalid. If the card is not activated, it may not be conducive to subsequent quota increases.

If you don't need to use a credit card, it's best not to get a card to avoid the hassle, or to get a credit card that doesn't require a fee if you don't activate it.

After half a year of use, you can apply for a quota increase, generally once a month. After holding the card for a period of time, you can apply for an increase in the credit limit in the voice of customer service** or by calling customer service**.

The amount of any credit card is based on the effective income and asset collateral value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and collateral, that is, the higher the income and collateral, the higher the amount obtained.

Therefore, the applicant must provide proof of income and a statement of asset security. Asset collateral includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Summary. 1. Log in to WeChat Alipay, click "My", and enter "Quota Application"; 2. Select the type of quota you want to apply for, and fill in the relevant information, such as ID number, mobile phone number, etc.; 3. Upload the front and back of the ID card** and the front of the handheld ID card**; 4. Complete personal credit questionnaires as required; 5. After passing the review, you can get the corresponding quota.

1. Log in to WeChat Alipay, click "My Zheng Tomato's Defeated Oak", and enter the "Quota Application"; 2. Select the type of quota you want to apply for, and fill in the relevant information, such as ID number, mobile phone number, etc.; 3. Upload the front and back of the ID card** and the front of the handheld ID card**; 4. Complete personal credit questionnaires as required; 5. After passing the review, you can get the corresponding quota.

WeChat is a free application [1] launched by Tencent on January 21, 2011 to provide instant messaging services for smart terminals, and was built by the product team of Tencent's Guangzhou R&D Center led by Zhang Xiaolong [2]. WeChat supports cross-communication operators and cross-operating system platforms to quickly send free (requires a small amount of network traffic) voice text messages, **, ** and text through the network, at the same time, you can also use the data and location-based social plug-ins such as "Shake", "Moments", "Public Platform", "Voice Notepad" and other service plug-ins through the sharing of streaming content. As of the second quarter of 2016, WeChat has covered more than 94% of China's smartphones, with 100 million monthly active users,[3] and users in more than 200 countries and regions and more than 20 languages[4].

In addition, the total number of WeChat users of each brand has exceeded 8 million, the number of mobile app connections has exceeded 85,000, the advertising revenue has increased to 100 million yuan[3], and the number of WeChat Pay users has reached about 400 million.

After entering the "Loan" interface, click "Go to Authentication", and follow the prompts on the page to complete real-name authentication and binding bank cards. 4.After completing the certification, you can fill in the application information according to the prompts on the page, including the loan amount, loan period, etc., and then submit the application.

5WeChat will review your personal credit situation, loan amount, loan term and other factors, and the loan can be released after the review is passed. It is important to note that the application for WeChat credit line will be affected by a variety of factors, such as your credit history, repayment history, purpose of borrowing, etc.

Therefore, it is best to understand your credit status and borrowing ability before applying, and reasonably arrange the loan amount and term according to the actual situation to avoid the situation of being unable to repay in time.

Applicants can click the "Apply for Credit Limit" button on the "Wallet" page of the WeChat Pay function and follow the steps given by the system. Quota approval is generally completed within a few minutes after the application, and if the quota is approved, it can be used directly. 3.

Weixin Official Accounts Platform: If the applicant is an authenticated user of the Weixin Official Accounts Platform, he or she can apply for a quota in the backend management interface. Applicants need to provide relevant supporting documents and information, and they can get the quota after passing the review.

It should be noted that different quota application methods may require different materials and information, and applicants need to choose the corresponding application method according to their own situation, and provide true and effective materials and information, and comply with the relevant regulations of WeChat.

Credit card repayment method: Applicants can apply for the credit limit through the credit card repayment page of Weichen Piliangxin, and follow the guidance steps given by the system. Quota approval is generally completed within a few minutes after the application, and if the quota is approved, it can be used directly.

2.WeChat Pay function: Applicants can click the "Apply for Credit Limit" button on the "Wallet" page of WeChat Pay function and follow the steps given by the system.

If the applicant is an authenticated user of the Weixin Official Accounts Platform, he or she can apply for a quota in the backend management interface. Applicants need to provide relevant supporting documents and information, and they can get the quota after passing the review. It should be noted that different quota application methods may require different materials and information, and applicants need to choose the corresponding application method according to their own situation, and provide true and effective materials and information, and comply with the relevant regulations of WeChat.

Can you add, I don't quite understand it.

Credit card repayment method: Applicants can apply for the credit limit through the credit card repayment page of Weichen Piliangxin, and follow the guidance steps given by the system. Quota approval is generally completed within a few minutes after the application, and if the quota is approved, it can be used directly.

2.WeChat Pay function: Applicants can click the "Apply for Credit Limit" button on the "Wallet" page of WeChat Pay function and follow the steps given by the system.

If the applicant is an authenticated user of the Weixin Official Accounts Platform, he or she can apply for a quota in the backend management interface. Applicants need to provide relevant supporting documents and information, and they can get the quota after passing the review. It should be noted that different quota application methods may require different materials and information, and applicants need to choose the corresponding application method according to their own situation, and provide true and effective materials and information, and comply with the relevant regulations of WeChat.

1. It refers to the maximum amount that can be used by the issuing bank within the specified period according to the credit status provided.

2. The credit limit can be recycled, and the credit limit can be consumed first and repaid later, and after the full repayment of all the payable amounts before the end of business of the business outlets of the card issuer on the due date of repayment (inclusive), the credit limit can continue to enjoy all the credit limit again. If you repay it in part, you can only enjoy part of the credit limit again.