The amount of the first credit card is not high. What is the reason?

Because you have never had a credit card, which is called "white account". Because you don't have any credit cards in the bank, and the bank doesn't have any records of your consumption and repayment, you can only evaluate your qualifications by filling out the credit card application materials. But because the bank's risk awareness and risk control are constantly improving, the bank will be more cautious when giving you the first credit card. Therefore, the amount is generally not high, or even refused.

After you have a credit card, the bank will check your credit card limit and related information in other banks when you apply for a card. Naturally, I will refer to the quotas of other banks and give you a quota.

So what should I pay attention to when I apply for a credit card for the first time?

Choose a good bank, the bank can't consider the credit status and performance indicators of your other banks. That can only be judged by your application materials. And each bank's evaluation of qualifications is also very different.

1. If your fixed assets or financial resources are good, I suggest you apply through a bank that handles mortgage or car loans, or a bank with large capital flow. If there are none, then we can also consider the construction of workers and peasants. Because the four major banks are quite interested in people with assets;

Of course, most people are poor when they apply for a card for the first time, so you can find a bank that is easy to apply for a card. For example, Ping An Bank and Bank of Communications. Of course, although it is easy for these two banks to apply for cards, the quota is generally not high.

If the first credit card is not high, don't think about selling it directly. It is suggested to continue to use it, gradually increase the quota, or it will be better to apply for a credit card from another bank next time.