First, marital status: married customers will be more stable than singles and will be more favored by banks.
second, employees with high technical titles and working conditions can get extra points.
thirdly, financial ability: the application is that the landlord can provide a detailed running account of personal income, which proves that people with stable income and long-term prospects for income growth will get a higher rating.
fourth, individual housing: having a house like the landlord shows that individuals have a certain economic foundation and can get extra points.
fifth, credit history: doesn't the landlord already have a credit card? If this credit card has a good repayment record, the bank will also consider adding points as appropriate.
sixth, the level of education: generally speaking, the rating of graduate students or above will be higher.
Generally speaking, the above points are the main reference for bank audit. It is recommended that the landlord prepare materials well. As long as the materials provided by the landlord convince the bank that you have repayment ability, it is still possible to approve a credit card with a limit of 1,! I hope my answer can help you!