Having a credit card not only allows you to overdraft your purchases and enjoy the fun of spending in advance, but it can also be used for emergencies. This is why more and more people are joining the ranks of credit cards. But applying for a credit card is not easy, and it is very difficult to apply for a large credit card. Friends who apply for credit cards online often say that the credit limit they apply for online is pitifully low. In fact, this has little to do with whether to apply online or not.

Why is the limit of online credit card application low?

1. Error when filling in credit card application information

No need to provide other additional supporting information, online credit card application only needs to fill in Credit card application form. Among these questions, if there are problems such as address, phone number, etc. in the personal information filled in by the applicant, or if the credit card information is incorrect, it will directly affect the credit card approval.

If the credit card data is incorrect, the bank will simply refuse to approve the card on the grounds that the applicant has provided falsified information. Even if the credit card is lucky enough to be approved, the limit will not be too large.

2. Personal credit report

Is it a good thing to have no record higher than the credit certificate? wrong! White households with good credit status still cannot enjoy the discount. There is no credit record for reference, and the bank cannot further understand and judge the applicant's credit situation. Therefore, credit card approval should be more cautious.

3. Credit reporting is "spending"

Cardholders apply for credit cards from multiple banks at the same time, which over a long period of time results in poor credit records for many people. If a bank posts this item when querying credit information, it will preconceptionally believe that the applicant has poor financial ability and the borrowing risk is too high, thereby reducing the credit card approval limit.