The factors that affect the credit card limit of cardholders are as follows:
1. Credit history:
When you submit a credit card application, the bank will check your personal credit history from the networking system. If customers have bad records such as penalty interest, the bank will consider the credit card limit as appropriate.
2. Marital status:
Generally speaking, married people can get a much higher amount than unmarried people, because banks think that people with families are more stable.
3. Economic ability:
The personal income certificate of the company is a strong evidence, which can show the cardholder's income expectation and whether the income is stable. If the employee is in a high-income industry, he will get extra points when rating, which is also beneficial to your credit limit.
4. Academic qualifications:
Although the requirements for academic qualifications in all walks of life are not in-depth, in the process of handling credit cards, the rating of graduate students or above will be higher.
5. Working conditions:
Usually engineers, economists, accountants, excellent teachers, lawyers, civil servants, doctors, power systems and other industries will be loved by banks, so the credit card limit will be high.
6. Proof of income:
Compared with people whose wages are paid in cash, it is easier for borrowers who can provide bank payroll for nearly three to six months to obtain credit cards, thus obtaining credit card quotas.
7. Work unit: People who work in state-owned enterprises and top 5 enterprises will get higher credit lines, because such employees have stable work units, and banks need not worry too much about the risks they take.