In fact, the bank's approval of credit cards mainly depends on the applicant's credit information and economic ability. If you have a lot of assets, the amount will definitely be high, but if you have no assets or are a recent graduate, the amount will be very low.
The credit card limit is analyzed according to the comprehensive score of the cardholder's personal credit, personal assets and income.
The comprehensive score includes the applicant's personal credit, work, working years, industry type, job position, salary level, marital status, local social security and a series of scoring items.
The bank will evaluate and review the applicant from many aspects. Different applicants apply for different credit card limits. Whether the credit card application can pass the examination and how much it can pass depends on the applicant's comprehensive personal qualifications.
Therefore, the credit card limit of each cardholder is different, because everyone's qualifications and credit card purposes are different. Under the examination of the bank, applicants can get credit cards as long as they meet the standards. For users with high comprehensive scores, the approved credit card limit will be higher.