Credit card limits are assessed by banks. Different applicants may have different credit card limits due to different qualifications. But sometimes, although the qualifications of the applicants are not far apart, the bank may approve a lower limit for one of them. What is going on?

1. Self-examination of personal qualifications. Users can check whether their age meets the requirements, job stability, and whether they often leave their jobs and change jobs. If the user behaves in these aspects, the credit card limit may be low because of insufficient stability. Credit card application platform Users will not be granted higher credit limits.

2. Check the nature of the job. Users should consider whether the industry they are engaged in is a high-risk industry, or a high-risk industry, such as sales, real estate agency, etc. Because wages are not stable enough and fluctuate greatly, applying for a credit card is likely to be rejected. Even if you get the card by luck, the credit card limit is relatively low.

3. Review the submitted application materials. Users need to check whether they have optimized packaging and whether their own advantages have been reflected. For example, the white household group can be optimized in terms of education, position, income, etc.; users who already hold credit cards can be packaged in terms of work income, company address, etc.; card application in other places can be carried out through household registration information, social security payment records, etc. Package.

4. Pay attention to the review process. When a bank approves a credit card, it will usually call the company for review. The purpose is to verify whether the user works at the company and whether the card is for him or her. Generally, the questions need to be answered according to the filled-in application information, but some reviewers will also ask other questions. , so users should pay attention to their answers to avoid affecting the card application results and card approval limit. In addition, there is an interview process, which is mainly for online credit card applications, especially when applying for a first-time card. After passing the electronic review, you need to go through an interview. At this time, you will check whether the interview information is complete, whether the repayment ability is sufficient, etc., and these will affect to the user's approved card limit.

Therefore, in order to obtain a higher credit card limit, users must understand their qualifications in advance before applying for a card, confirm that they meet the conditions before submitting the application, and also pay attention to the nature of their work. , and submit true and complete personal information, so that it is possible to obtain a higher credit limit.