1, marital status
Bank simulation evaluation system. Other things being equal, married people can get a higher level of credit promotion than unmarried people, because people with families are more stable.
2. Title and working conditions
Professional title is the basis to prove the customer's working ability. Such as engineers, economists, accountants, excellent teachers, lawyers and so on. There will be higher integrity at different levels; Similarly, if credit cards enable employers to engage in stable industries, such as civil servants, doctors, power systems, etc. They will be more favored by banks, and at the same time, their credit rating will be improved according to their grades and working years.
3. Economic capacity
The company's personal income certificate is a powerful proof, which can show the cardholder's income expectation and whether the income is stable. If you are a high-income person, you will get extra points when scoring, which is naturally conducive to cash withdrawal.
4. Housing situation
If the credit card applicant owns a personal house, this is a very important situation, which proves that he has a certain economic foundation. In this case, the bank is very willing to let him use the credit card and is willing to increase his quota.
5. Credit history
At present, the credit records of all banks have been networked. If the credit card holder has an account opening record in the bank in the past and has a record of funds entering and leaving, then some customers have overdue records, such as penalty interest records, and the bank will consider withdrawing cash by credit card as appropriate; On the contrary, if the record is good, the bank will withdraw the cash smoothly.
6. Education
The credit rating of high school education and undergraduate education remains unchanged, but the postgraduate education is slightly higher.
In addition, some cardholders have applied to increase the permanent limit. Upon inquiry, cardholders should pay attention to the following issues in the process of consumption if they want to apply for increasing the permanent limit. Spend as much as possible, with an average of more than 10 times per month; Try to spend as much as possible every time, and the total consumption within half a year will reach at least 30% of the overdraft limit; Apply for commercial loans as much as possible, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places and so on. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the increase of the quota; The fewer applications for buying a house and a car, the easier it is to raise the amount.