You can apply. It is best to pay social security. The application approval rate will be higher. The credit card limit is mainly based on your age, education, gender, number of dependents, salary, unit, position, other credit card limits, house location, car price, etc., as well as your previous credit record.

For salaried workers without much extra income, the appropriate credit card limit is roughly = monthly disposable income ÷ minimum repayment ratio, and monthly disposable income = monthly income (after tax) - basic life Expenditure - loan repayment;

Currently, the minimum repayment ratio of a credit card is basically 10, so the maximum amount that the bank can grant should be 10 times the average monthly disposable income, so as to ensure the monthly disposable income At least enough to pay off the minimum payment on your credit card balance.

The determination of credit card limit mainly follows three major principles:

1. Whether it can be returned on time;

2. The needs of the cardholder;

3. The former takes precedence over the latter;