How to deal with high-value credit cards and how to avoid high-value credit card scams?
A high-value credit card, as the name suggests, refers to a credit card with a higher credit limit. So, what about high-value credit cards? The credit card limit refers to the available limit of the credit card, the maximum amount that the credit card holder can use, so many people want to apply for a credit card with a high limit. Now let me tell you how to deal with high-value credit cards in detail.
How to deal with high-value credit cards?
Choose the right credit card level. The amount approved by the bank according to the credit card level is generally 10,000-10,000 yuan for general cards, 10,000-50,000 yuan for gold cards, and more than 50,000 yuan for platinum cards, but the specific situation depends on the financial proof and personal credit information provided by you. Certainly. Therefore, when it comes to how to handle high-value credit cards, it is necessary to select credit cards according to the level corresponding to different credit card limits.
Fully prepare a proof of personal assets. When applying for a credit card, the applicant’s identity and financial proof, and personal credit records have the greatest impact on the amount of credit. Therefore, when applying for a credit card, try to provide as much proof of your financial resources as possible, such as income proof, housing ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or negotiable securities certificate, etc. The most important thing is to ensure that you repay in full and on time to avoid overdue payments.
Filling out the application form is key. Regarding how to handle high-value credit cards, when filling out the credit card application form, several important items will affect the bank’s score for you. The higher the income, the higher the credit score of the bank; the higher the education level, the higher the score; the score of the household registration in this city is higher than that of the non-local household registration; the score of owning a house is higher than that of no house, and the score of self-occupation is higher than that of living with parents; Married scored higher than unmarried; workplace nature also mattered.
Consumers with potential consumption use cards to apply for cards. Applying for a card with a card is not 100% able to apply for a high-limit credit card. The premise is that you must do the following things so that the bank can give you a high-limit credit card with confidence. First of all, we must maintain a good credit record. If the credit card cannot be repaid in full, use installments or the minimum repayment amount; prove that you are a potential consumer by spending more and swiping the card frequently; keep the credit card limit to 70%-90%.
This is the handling skills of high-value credit cards. Now everyone knows how to handle high-value credit cards, but in real life, there are many cases of high-value credit cards being deceived, so you must know how to avoid high-value credit card scams.
How to avoid high-value credit card scams?
High-value credit card scams usually look like this: First, disseminate false information about credit card processing, wait for the victim to take the initiative to contact, and ask the victim to provide an ID number and the perpetrator to provide a mobile phone number to apply for a new savings card because the card needs to be verified. , send the scanned copy of the card number and ID card to the perpetrator, and the perpetrator registers online trading platforms such as Alipay and Yifubao in the name of the victim, and enables quick payment for transfer and consumption. So how to deal with high-value credit cards, we must first avoid scams.
For information on small advertisements on the street and online “agent bank overdraft cards”, everyone must be cautious, and it is best to call the relevant bank to inquire. Once you find that there is fraudulent use of credit card on your behalf, you should report it to the public security organ in time so that the police can quickly investigate and deal with it. For online “credit card agency” advertisements with unknown sources, you can verify the website’s record information to prevent being deceived, and check the ICP record number at the bottom of the page. If the website does not have an ICP record number or the record number does not exist, it is a fraudulent website.
The above is the relevant introduction of high-value credit card fraud, how to handle high-value credit cards, to avoid high-value credit card fraud, mainly to understand these three points: applying for high-value credit cards, only with ID cards and some simple information can not handle; When customers apply for a credit card, the bank will not charge any fees; the approval procedures for high-value credit cards are very strict, and they cannot be handled on their behalf.