The final limit of a credit card cannot be determined at the time of card application. Generally, banks will make judgments based on the overall qualifications of applicants, and usually make comprehensive assessments based on the income level, marital status, work unit, position and personal property of cardholders. In addition, the initial credit card limit is also related to the bank, card type and card level selected by the applicant. Generally, joint-stock commercial banks such as Guangfa, CITIC, China Everbright and Xingye have relatively high initial credit cards, while high-end cards and platinum cards have higher initial credit cards.

Therefore, if someone claims that the credit card limit is more than * * million when handling a card, it is generally not credible. In addition to the amount can not be guaranteed, whether the credit card can be approved is not necessarily, but also needs to be judged according to the applicant's card qualification and personal credit situation.

There are various channels to apply for a credit card. At present, all major banks have opened online credit card application channels and cooperated with formal third-party network card issuing platforms such as Yinlv.com. Applicants only need to submit the application materials online, and the bank will review them online. After the approval, the card will be issued by express delivery, and the card can be obtained as soon as possible.