Four dimensions of credit card approval
Generally speaking, banks approve credit cards from four dimensions: credit, income, work and assets.
1, credit information
Credit investigation is a prerequisite, and it is one of the prerequisites for nuclear card verification. When checking a bank's nuclear card, the first thing to look at is credit reporting. If a person's credit situation is not good (all kinds of overdue interest), then no matter how good the other conditions are, it is useless. No one dares to approve, and the probability of bank failure is too high.
2. Income level
Income is the basis of checking the card amount, which means that your income determines the basic amount of your card. Take this behavior as an example. Under normal circumstances, the basic card amount is 65438+ 0 -5 times your monthly income. As for whether it is 1 times or 5 times, it depends on your work, credit and other conditions.
Step 3 work
Career is also an important factor. Under normal circumstances, the stable occupation is higher than other occupations, and it is set automatically by default. For example, when the boxes of "civil servant", "energy", "state-owned" and "listed company" are checked, the quota is generally not less than 1 10,000. If it is a small private company, it may only start with 3K.
Banks pay more attention to stability than you think. Perhaps the income of civil servants is less than half that of individual industrial and commercial households, but the credit card limit of civil servants is several times that of individual industrial and commercial households. This situation is not uncommon now.
4. Property
Real estate is a factor of growth, especially for the self-employed. The level of the quota has a lot to do with the amount of property you provide. The property here can be real estate such as houses and cars, or movable property such as certificates of deposit, wealth management and funds. As for providing running water to banks, it doesn't have much effect. After all, running water can be built.
With the deposit of 3 million yuan mentioned in your topic, if there is no accident, you can withdraw 30,000 yuan (1%) on the basis of the original examination and approval. For example, the basic amount you originally approved was 50,000, but it became 80,000 considering the property factor.
abstract
Personal property is only one of the dimensions of issuing credit cards, not the most critical factor. Therefore, no one can give you an accurate data, or even a rough data, on how many credit cards can be issued with a single sum of 3 million yuan. However, if you can have 3 million yuan, your personal conditions should be good. As long as there is no problem with credit information, according to past experience, it should not be difficult to get a credit card with a price of more than 654.38+ 10,000 yuan.
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