China Merchants Bank.

Credit card limit application is related to the individual's qualifications in the bank. If the asset condition is good and the credit report is good, then the limit of each bank will be high and the approval will be easy. With the same qualifications, the limit of China Merchants Bank The highest, the lowest interest.

If our asset conditions are average, but our credit report is very good, we can try to apply for Industrial Bank, which will provide a correspondingly higher limit, and the approval is also easy.

The bank mainly refers to the following two criteria when approving card limits:

1. The applicant’s personal credit accumulated points.

Each bank has different scoring standards. After receiving the application submitted by the applicant, the card issuer will score based on age, occupation, deposits and other items. All the scores are summed up to get a credit accumulation Points are accumulated to determine the credit limit.

2. The applicant’s career stability.

Although the proportion of items in each bank's credit card scoring system is different, for example, some focus on occupation, and some focus on culture and education.

However, what most banks value most is the source of personal repayment. For example, for credit scores, married people have higher scores than unmarried people; those who own a house have higher credit scores than those who do not; those who have an account in the bank and often have records of fund inflows and outflows. Higher than nothing.

Experience: The credit card application threshold of commercial banks is lower than that of state-owned banks, and the credit limit is also higher than that of state-owned banks. When applying for a card for the first time, it is recommended that you start with a credit card from a commercial bank.