Generally speaking, the fixed amount of a common card is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of a gold card is 1 1,000 yuan-50,000 yuan. The specific amount is subject to the test results.
Factors affecting the quota:
Marital status:
Perhaps to the surprise of many cardholders, in the simulation evaluation system of many banks, married people can get a whole level of credit promotion than unmarried people, other things being equal, because people with families are more stable.
Working conditions:
Technical titles are the testimony of customers' working ability. For example, engineers, economists, accountants, excellent teachers and lawyers at all levels will become borrowers, and their integrity will be higher; Similarly, if credit card users are engaged in industries with high stability, such as civil servants, doctors, power systems and other industries, they will be more popular with banks, and their credit ratings will be improved according to their grades and working years.
Economic capacity:
The personal income certificate of the unit is strong evidence, which can show the cardholder's income expectation and whether the income is stable. If employees are in high-income industries, they will get extra points when rating, which is naturally beneficial to the amount.
Housing situation:
This is a very important situation. If the credit card applicant owns a personal house, it proves that he has a certain economic foundation. In this case, the bank is willing to let him become a credit card user and is willing to increase the quota.
Credit history:
At present, the credit records of all banks are networked. If a credit card user has opened an account in a bank in the past and has a record of funds entering and leaving, then some customers have bad records such as penalty interest, and the bank will consider the issue of credit card withdrawal as appropriate; On the contrary, if the record is good, then the bank will withdraw the amount smoothly.
Educational background:
The credit ratings of high school education and undergraduate education have not changed, but the ratings of graduate students and above will be higher.