2. The comprehensive score is based on your age, gender, unmarried, local hukou, education level, work unit, position, income certificate, bank credit report, etc.
In addition, the credit card that has just been processed cannot increase the credit limit. It needs to be used for more than half a year and the card is in good condition. You can call the bank customer service phone to apply for increasing the credit limit, and the increased credit limit shall not exceed twice the original limit;
4. If the credit card consumption exceeds a certain proportion of the credit limit, the credit index will usually be lowered. Suppose you have four cards, each with a credit limit of $5,000, and three of them have a bill amount of 0. If the consumption of the fourth card makes your credit limit reach the upper limit of $5,000, it will damage your credit index.
But the total credit limit of all your cards is only 25%, so it is not good to stare at one card against your credit index. In short, the consumption amount of a single card cannot exceed half of the available balance, and the total utilization rate of credit cards cannot exceed 25%, because borrowing and returning are more flexible.