When a bank reviews a credit card (debit card) application, it usually reviews the applicant’s comprehensive qualifications, including but not limited to personal credit, repayment ability and personal assets. The specific credit card (debit card) ) The review conditions are:

1. Personal credit: The bank will check the applicant's credit report. If there are bad records on the credit report, the application may be rejected;

2. Repayment ability: If the applicant's job income is relatively stable, there are no other loans that are being repaid, and proof of real estate and car ownership can be provided, then the probability of card approval will be higher;

3. Personal assets: The more personal asset certificates certified by banks, the higher the credit card (debit card) approval limit will be.