As for the initial quota, it is understood that most netizens believe that the three commercial banks are Bank of Communications, Minsheng, and Industrial Bank. Although the initial quotas stipulated by these banks are relatively high, you still need to meet certain conditions before they can safely give you the quota.

There are generally several factors regarding credit card limits:

1. Your own credit record determines the credit limit. The head office of each bank sets the scoring standards, and the standards are different. After the applicant applies for a credit card, the bank will give the applicant a score based on factors such as occupation, age, savings, etc., and summarize it into a cumulative credit score, and finally calculate a credit limit. If the points do not meet the standards stipulated by the bank, the application is likely to be rejected, but there is still a chance to apply at other banks.

2. Your own job has a stable income and a high rating. Some banks focus on careers, while others focus on culture and education. But what most banks value most is the source of personal repayment. For example, for credit scores, married people have a higher credit score than unmarried people; those who own a house have a higher credit score than those without a house; those who have an account in a bank and often have records of funds entering and exiting have a higher credit score than those who do not. Therefore, the same application materials receive different credit limits because the proportion of items in each bank's credit card scoring system is different.