1. Personal conditions

Applicants meet the most basic application conditions and can only guarantee to apply for a credit card, but may encounter a "zero" quota. In order to avoid this situation, the applicant must have a fixed job and a stable income, with a monthly salary of more than 3,000 yuan. In addition, the applicant must ensure that personal credit information is good and there is no serious bad record.

2. Economic situation

The economic situation will directly affect the credit limit of the cardholder. The better the conditions, the higher the credit limit. Economic conditions mainly include real estate, automobile production, deposits and so on under the name of the cardholder.

3. Other conditions

The applicant's gender, age, position, education, etc. It will also affect the credit card limit. In some banks' auditing standards, the applicant's marital status is even one of the reference conditions.