The real estate certificate can only increase the applicant's credit limit, but it cannot be used as a condition for applying for a credit card. The real estate certificate is a proof of personal financial strength and can increase the credit limit of the credit card to a certain extent. If it can be approved, the amount will be higher if the real estate certificate is provided than if the real estate certificate is not provided. Generally, the maximum credit limit is 30%-50% of the house price, which means that the credit limit for a house worth 100,000 yuan is generally 30,000-50,000 yuan. Of course, this is the highest result.