The debt ratio of the bank's approval of credit card inquiry is based on the ratio of all debts (including loans and credit card debts) owed by the credit card applicant to assets, with the debt ratio of the previous day as a reference. Debt ratio is real-time. A high debt ratio will affect the approval and withdrawal. During the examination and approval period, the liabilities should be as small as possible. The debt ratio is not calculated by the proportion of credit card liabilities to the total credit line of credit cards as understood by ordinary people.

Therefore, when applying for a credit card, you should not only provide proof of payment, proof of property and proof of work, but also pay attention to the fact that the arrears during the approval period should not be too high, otherwise it will affect the issuance of credit cards, and even if the cards are issued, it will also affect the credit card quota.