1. Local account and fixed telephone number: Having an account and fixed telephone number in this city will make the bank think that your place of residence is stable, which will increase the bank's credit evaluation score. Therefore, it is easier for locals who have a household registration in this city and have a fixed phone at home to apply for a large-value credit card.

2. Already married. In the bank credit score, married people have higher scores than unmarried people. Because being married means that your family and career are stable, the risk of default is relatively small.

3. High education level. Generally, the higher the education level, the higher the bank’s expectations for your income will be, and it will be easier to apply for a large credit card. For example, a salaryman with a monthly salary of 10,000 yuan will have a higher credit score than a person with a master's degree than a high school diploma.

4. Stable work unit and high position. Work unit and job status are important factors that determine whether you can successfully apply for a large-amount credit card. Because the work situation determines an individual's income, the more stable and well-known the work unit is, the higher the score. For example, government agencies, public institutions, large state-owned enterprises, and Fortune 500 companies all score relatively high; the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees.

5. Local real estate, cars, etc. Owning local real estate, cars, etc. are all bonus factors for applying for a large-amount credit card. Because these are personal assets, the more assets there are, the lower the risk of personal debt repayment, so it is easier to apply for a large credit card.