In addition, the amount of credit card approval is mainly related to the following factors:
Marital status: customers who are married and have a good relationship with their husband and wife will be more stable and more popular with banks than singles. In the bank's simulated evaluation system, married people can get a whole level of credit promotion than unmarried people under other conditions unchanged.
technical title: it is the witness of customers' working ability. Relatively speaking, borrowers with titles such as engineers, economists, accountants and excellent teachers at all levels are more favored by banks, and their credit often gets extra points.
working conditions: employees in industries with high stability can also get extra points. For example, civil servants, teachers, doctors and some employees with good benefits, fashion industry and media people will be rated higher because of their strong spending power.
Economic ability: People with detailed personal income certificates, stable income and long-term prospects for income growth will be highly rated.
personal housing: owning personal housing can also show that individuals have a certain economic foundation and can get extra points.
credit record: if the borrower has an account in the bank in the past and often has funds coming in and out, the passbook will reflect the accumulated amount of past deposits. For customers who supported its development in the past, banks will also consider giving extra points as appropriate.
education level: the credit ratings of high school education level and undergraduate education level have not changed, but the rating of graduate students or above will be higher.