Personal qualifications and credit have little to do with credit card quota. The credit card limit depends on the frequency, amount and repayment law of your consumption. In the final analysis, if you want to bring value to the bank and be safe at the same time, that is, let you spend and encourage you to spend, and don't worry about not paying it back.

The following six points determine your quota.

1. unit. Is your company a state-owned, government or institution? If it is, the quota is definitely not low, because he is not afraid of your cheating. Calling your company is too much for you.

2. Education. If you are a doctor, master or undergraduate, and have a relatively stable job, it is not necessarily a national unit. According to the approximate amount and frequency of your credit card consumption, I will give you a certain amount, which is generally lower than that of civil servants and people in state-owned enterprises and institutions.

3. Professional titles. Mainly refers to whether you are an enterprise legal person or an executive. According to your industry and your credit card consumption record, you will generally be given a sufficient amount, ranging from 50 thousand to 200 thousand. Your occupation is financial securities and monopoly industries, such as oil, power grid, aviation and state-owned pillar industries, and you will also get a reward of 30,000-50,000 yuan. According to the repayment records, temporary contract workers are generally not given or given less.

4. Real estate. The bank can pull up your credit record in a few minutes. If there is a mortgage repayment in it, your quota will be higher. Banks are not afraid of cheating, and they have assets as collateral.

5. mobile phone. Now the mobile phone is registered by real name. If you use it for a long time or haven't changed it, you will get extra points. It is difficult for people who change their mobile phones frequently to get money from banks now. He is afraid of disappearing into thin air.

6.POS machine large credit card frequency and online loan. POS machines have a high frequency of swiping large amounts of cards and are suspected of cashing out. Basically, 90% may be cashed out, and banks are unprofitable. You take advantage of the bank and treat him like a fool. Online lending is incompatible with banks and the risk is too high. The bank's quota is for people who are prudent and don't care about bank interest and handling fees. Such people are the value customers of banks. Therefore, with good qualifications and good credit, like traditional rural people, they are never willing to spend money, which makes no sense to banks.

I have experienced this problem. I finally know why. In the following aspects.

1, first card. /kloc-when I first started to apply for a credit card 0/0 years ago, the card clerk asked me if I had a car. Do you have a room? After asking about the job and other information, she said that your qualification is 65438+ 10,000, and your subordinate qualification is 43,000. I was full of expectations, but I only approved 8 thousand after playing cards. It turns out that my subordinates also have cards in other places, bought gold in Hong Kong, and cashed in their credit cards from time to time. You only know that others are not qualified as you, but others are already experienced, just as the salary of a novice may not be as good as that of a skilled person.

2. The choice of banks. The quotas of the first few banks are relatively low. To obtain a high quota, you need not only good qualifications, but also good experience in using cards. Joint-stock banks have a relatively high approval quota, so they can gradually increase the quota without too many credit cards, which is fast.

3. References to existing quotas. Generally, you already have a card, and the amount is not bad, so get another card with the bank, and the amount is similar or even higher. Just like when I first applied for a card, there was no reference and the amount was low. My subordinates have other credit cards, the amount of which is several times higher than mine.

So from your description, you have just used the card for a long time. When you have accumulated experience, you will know that your qualifications are good, which is also very helpful for the promotion of places.

1, card habit

Although it is not overdue, there are only one or two transactions per month. Just a few days after the billing date, the total amount is almost the same, and then repayment is made on the last repayment date. It really makes full use of the bank's funds, and there is basically no real consumption, and the total monthly consumption is similar. For a long time, banks can think about the use of credit cards with their eyes closed.

2. The total credits are too high.

For example, there are multiple credit cards, and the total amount is already 400,000 to 500,000. Although this card can still be issued, I'm not sure if it can be issued with a higher amount unless the qualification is super good.

3. There are too many sleep card.

I have run several credit cards, and the credit line has been approved, but most of them have not been activated or will be cancelled soon, which has occupied the credit line in vain and wasted the human and financial resources of the issuing bank again and again. It feels like you are playing with the bank again, or you are just greedy for new card gifts. That bank has done this so many times, so I don't think it will give you a card, let alone a quota.

4. Wrong card processing order

Obviously, the qualification is good, but I didn't choose the card-issuing bank that suits my advantages first. For example, an individual boss chooses a bank that recognizes a stable job. Because of the wrong choice, the credit card quota was tens of thousands of dollars before, and it is a bit difficult to get rid of the quota, so it is also very important to choose the right card.

Although the credit card is good, it can be used as a reserve fund and given to the bank's business card to facilitate the stepping stone of mortgage, car loan and various credit card benefits in the future, but it is still a little learned to really use the card and use it in large quantities.

15: The accumulated amount of cardholders is 800,000 yuan, and the maximum card amount is13,000 yuan. I think I am qualified to answer you.

First of all, you should understand whether you mean more assets (deposits, wealth management) or better units (state-owned enterprises and institutions), because different banks have different names, so you should prescribe the right medicine.

1. If you have a lot of assets, at least hundreds of thousands or even millions can be kept in the bank for a long time. This is called moving bricks. Then you should win the four major banks first, and you'd better win the ICBC aunt first. Go directly to the financial manager and tell him how much money he has on hand, and want to buy a financial management or deposit it on a regular basis. By the way, I want to get a platinum card. Under normal circumstances, financial management is very happy. If you can do platinum, don't do gold. After all, the higher the card type, the higher the quota. With the help of rational financial management, the next card is safe and the amount is considerable.

You said that your qualifications are good and your work unit is good. It's hard to say. If you are a civil servant, sometimes the four major banks will give you a good platinum card. More often, if you have no money, the Big Four will look down on you. Give you a card with a limit of several thousand. The number of cards for online applications such as Ping An Minsheng is generally not high, one or two thousand. My experience is that you must find a salesman to set up a card in the company and issue a certificate of income. You must fill in more income and write at least several hundred thousand annual salary. If you have a work permit, show it to me. Because the card is handled offline and the work unit is very good, the card is still very reliable. The quota is also quite awesome. Once you can apply for a 50,000+credit card, the rest will be easy to say. This limit is generally referred to when you apply for a card. This is called card after card.

In short, choose different strategies according to your own situation. I hope you can succeed.

"The qualification is very good, but the credit card limit is very low?"

This is a place that many friends often meet, but they don't understand it. What is the reason behind it?

Let me help you analyze three reasons for this situation based on my years of banking experience:

1. What is a "good qualification" recognized by banks?

For banks, what they are most concerned about is the source of customers' repayment, that is, whether credit card applicants have stable work or business income. Many customers have real estate, cars and good income, but when they apply for credit cards in banks, they find that the amount is pitiful. A very important problem is that they are not "good qualifications" that banks think. What are the "good qualifications"?

1. See identity: doctor, civil servant, teacher, lawyer, corporate executive, bachelor degree or above, etc. In the eyes of banks, these people are "high-quality" customers with stable income, guaranteed repayment sources and high credit card quotas;

2. Look at the work unit: state-owned enterprises, banks, institutions, schools, courts, etc. These employees have stable jobs and guaranteed income, and they are "qualified good" customers recognized by the bank;

3. Look at the income flow: If you are not recognized as the first two "good qualifications" standards, but your monthly income flows well, for example, your monthly income goes to Minsheng Bank, and you earn 50,000 yuan every month, then go to Minsheng Bank to apply for a credit card. This situation is likely to be approved. However, if you don't meet the criteria of "identity" and "work unit", the income flow is not very stable, and it is difficult to have a high amount in the banking system, because they can't judge whether your existing assets can guarantee your ability to repay for a long time to come.

Second, do you know your credit information? This is an important factor.

There are also many friends who obviously meet the standard of "good qualification" from the perspective of identity and work unit, but the approved credit card quota is still very low. At this time, it is suggested that we might as well check our own credit information. If there are these problems in credit reporting, it will also affect your credit card limit.

1. If the credit information shows that there is a record of overdue repayment or non-performing loans, the bank is afraid that someone will not pay back the money.

2. If the credit report shows that the credit card limit in your name is already relatively high (including all other credit cards that have been processed) or the loan limit in your name is already relatively high, the bank will worry that your overall debt is too high, fearing that you can't afford it.

3. Credit information shows that there have been many inquiries from lending institutions or credit card institutions recently, that is, banks are worried that you are particularly short of money, so they are handling credit cards or loans from many institutions at the same time.

3. What methods can help you increase the credit card approval limit?

1. Do more business in the bank, and let your real asset strength be known by the bank. For example, buy wealth management or deposits in the bank, and choose to transfer money at a fixed time every month. Although many customers have money, the bank doesn't know that he has money, because his funds may be outside the banking system, such as cash/Yu 'ebao and so on.

2. Go to the bank outlet to apply for a credit card. Don't call directly or apply on the APP. Ask the account manager to provide some proof of his own assets (real estate, other bank deposits or wealth management, balance treasure funds, etc.) when handling credit cards in branches. ), and then the bank account manager will help you recommend a higher credit card limit, which is difficult for you to call or APPly on the app.

3. If there are multiple sources of income, it is recommended to concentrate the recorded funds on the bank card of the same bank, so that the bank will recognize your real income level.

Answer the main question first. Obviously, the qualification is very good, but the approved credit card amount is very low. The reason is that there is something wrong with your credit information!

Secondly, what problems will lead to your low credit card approval quota, such as: white account, high debt, overdue, too many credit card accounts, and high total credit! This is a very common situation!

Friends who hold more than four credit cards will encounter the above problems, so you need to know something to avoid the problem of low credit card limit or even dead card! First, everything is done in an orderly way, and the same is true for handling credit cards, so you have to handle bank credit cards and have clear regulations on account numbers; Second, if the credit card is given a low limit, I will cancel it directly and give it to the bank without a card. I don't want it if the quota is low, then it will be simple to apply for a card in the future, either stuck or with a high quota; Third, you should manage your own credit information, don't touch online loans, don't click on SMS links if you have nothing to do, and try to make fewer inquiries; Fourth, the bank gives you a credit card for you, not for you to see, so you should start using it when you get off the card, so that the bank can make money from you; Fifth, before you decide which bank to apply for a credit card, you should be prepared. The savings card should be set up first, running smoothly and interacting more!

Finally, how about playing with a credit card? Let the bank feel that you are safe here and can make money. After that, your qualification is good, and this amount can be low!

When handling credit cards, you often meet some friends who are confident in their qualifications. They always feel that they have a good job, have sufficient financial resources, and have never been overdue, so they have high expectations for places and most of them are disappointed. If it is a good qualification, it is understandable. After all, the previous credit card quota was quite high, and there was a lot of financial resources under the name, with a minimum capital of more than 50,000. There are many opposites. It is not good for credit reporting, and there is no financial resources. I'll ask how much I can get with my ID card first. Personally, I think we should ask if we can do it first I often feel that most people are really not as easy to get a card as a white household. Look how many tricks you have won!

1. Card usage: Although it is not overdue, there are only one or two transactions per month, and the total amount is almost the same just a few days after the billing date, and then repayment is made on the last repayment date. It really makes full use of the bank's funds, and there is basically no real consumption, and the total monthly consumption is similar. For a long time, banks can think about the use of credit cards with their eyes closed.

2. The total credit line is too high: for example, there are multiple credit cards with a total amount of 400,000 to 500,000. Although this card can still be issued, I'm not sure if I can issue a higher quota unless my qualification is over NB.

3, the total debt is too high: there are many credit cards, but the amount is similar, and there are even other loans (mortgage should not be a debt, because after all, having a mortgage means having a house there), because I have already owed a lot of debts, and I will worry about repayment when approving the amount.

4. Online loan: the kind of online small loan, which is included in the credit report, is also greatly discounted in the credit report. Even if you don't have a loan, you are always curious about how much credit you can approve, because when trying to approve credit, most of them have to go through credit inquiry. With these records, the impact is considerable.

5. There are too many credit cards in sleep card: the credit lines have been approved, but most of them have not been activated or will be cancelled soon, thus occupying the credit lines in vain and wasting the human and financial resources of the issuing bank again and again.

6. The card issuing order is wrong: I clearly have good qualifications, but I didn't choose the card issuing bank that suits my advantages first. For example, an individual boss chooses a bank that recognizes a stable job. Because of the wrong choice, the previous credit card limit was tens of thousands of dollars, and it was a bit difficult to make the limit take off.

7. online application: it is difficult to determine the authenticity when working in a bank. All financial resources can't be proved and highlighted. There are many such tricks, often others apply for you, and there are many applications at one time, which leads to too many credit inquiries and bad credit.

Sincerely, these are very common situations, and old drivers should be able to supplement them. Welcome warm and civilized exchanges.

Although the credit card is good, it can be used as a reserve fund and given to the bank's business card to facilitate the stepping stone of mortgage, car loan and various credit card benefits in the future, but it is still a little learned to really use the card and use it in large quantities.

I was equally confused at that time.

I caused this situation because:

1-It's the first time to apply for a credit card, and you haven't made any payment in the bank, so your credit rating in the bank is 0, which is the so-called white account.

2- When applying for a credit card, you didn't provide enough detailed information, such as car, house, personal income, company, etc.

3- Apply for a credit card online.

The low credit card quota indicates that there are certain problems in personal qualifications. There will be no good personal qualifications and low card issuance.

First of all, the subject must understand a truth. The low credit card limit must be a personal qualification problem. It's not that the title description is very qualified.

Let's take a look at the factors that affect the credit limit of credit cards.

1, personal credit information

Personal credit information will have a direct impact on the credit line of personal credit cards, and these effects will be manifested in not only one aspect, but also many aspects.

Whether there are bad credit card records in personal credit information and the number of bad records will have an impact on the number of credit card applications and credit card issuance. After the publication of the new personal credit report on 20 19, the bad credit records include (overdue records and overdue time, bad debts, other living payment arrears, and civil (criminal) travel records). If these bad records exist, the credit card application will be affected. Of course, it doesn't mean that you can't apply for a credit card if you have a bad credit record. If the bad credit record occurs for a long time and the bad credit record is serious, then the credit card can also be approved, but it will have a certain impact on the credit line of the credit card.

Whether there is a bad record in credit investigation is only one aspect of the bank's credit card approval through credit investigation. Many friends simply regard it as a good qualification standard that there is no bad credit record in credit investigation, which is not enough. Banks also need to ask the following questions through credit investigation.

In addition to checking whether the applicant has a bad credit record accident through credit reporting, the bank also depends on the personal credit liabilities. It is an important link for banks to judge personal liabilities through credit reporting. For example, individuals obviously have multiple credit cards, and the credit line is very high, which is equal to or higher than the highest credit line that can be granted by individual comprehensive qualifications. Moreover, the credit card limit has been overdrawn, excessive installment repayment, minimum repayment amount, and even other loan liabilities under his name. In this case, the bank either refuses to issue a card or gives a card with a low credit limit.

Therefore, in addition to personal credit records, the debt situation is also an important reference standard for determining the credit limit of personal credit cards.

2. Personal financial qualification big data

This personal financial resources include personal income level and asset strength.

Although most banks now do not need individuals to provide income or proof of bank running water to apply for credit cards, they can also reflect their income ability through credit reporting. That's the work unit. The better the work unit, the higher the personal income level can be proved. Because the personal letter record also contains personal work units.

Secondly, asset strength, if there are physical assets under the name of an individual, such as real estate, shops, automobile production and even some intangible assets, such as stocks and securities. Can reflect the strength of personal assets. Of course, if it is mortgage to buy a house, it can also be reflected in personal credit information. If the bank inquires about the mortgaged property under your personal name through credit information, you can also get a higher credit card credit line. But it doesn't mean that you can get high credit with mortgaged real estate, because it is always a comprehensive evaluation.

In other words, in addition to credit records, liabilities and personal financial qualifications, it is also an important factor to determine the credit limit of personal credit cards.

3. Other personal big data performance

In addition to some factors that I mentioned above that affect the credit limit of credit cards. There are also some solid personal qualifications, such as gender, age, education, household registration and so on. The better these inherent big data are, the higher the credit line is. For example, the higher the education, the higher the credit limit of credit cards, and it is easier for urban hukou to obtain high credit than rural hukou.

The performance of personal inherent big data will also have an impact on personal credit card credit line.

4. Selection of the issuing bank

Of course, the applicant bank may also decide the credit limit of the credit card, because each bank has certain differences in credit card approval and credit mechanism. For example, under the same qualifications, the credit line of state-owned banks is lower than that of commercial banks, and commercial banks may be lower than private banks.

Therefore, the issuing bank also has a certain influence on the credit line of credit cards.

My friend, first of all, you need to explain that your qualifications are good. What do you mean?

1. Have a house, a car and a deposit.

2. High education, good salary, large amount of salary, and high proportion of provident fund deposit.

3. There is no overdue, no online loan and no debt.

For the time being, these three are interpreted as high qualifications. Let's analyze it.

First, if you are the first person, if the amount after the card is not high, then you can take your high-quality assets, house books, car books, and "bricks" and other materials to the offline bank to ask for withdrawal, or you can apply for a second card, curve withdrawal.

Second, if you are in the second case, then you can also use the curve to raise the amount.

Of course, you need to reflect on why your colleagues in this situation can place a quota of 65,438+10,000, while they only have 65,438+10,000 food cards!

With such a high probability, your posture of handling cards is wrong. Another situation is that you filled in the wrong information in the central bank's credit report.

Third, if you are in the third situation, then you are not qualified and can only be called a "white household".

In this case, it is best to "package" the card, and it is not a problem to put 654.38 million large cards.

The above is just my guess. If we can make the problem more detailed, we can be more targeted.

I am chestnut,

Have a certain research on credit assets, Shenzhen hukou and real estate.