The credit card approval limit is mainly based on the property certification materials provided at the time of application to judge the applicant's asset status. For example: income certificate, real estate license, land certificate, motor vehicle driving license, tax payment certificate and business license (owner of individual industrial and commercial households) and so on. Also, check the credit information system of the People's Bank of China to see the current liabilities and past credit records of the applicant. Low debt and good credit are conducive to the approval of the quota.
In addition, each bank will also make certain judgments according to the financial assets of customers in the bank, such as whether they are VIP customers and the level of VIP customers.