First of all, it depends on the amount. Generally, the amount of commercial banks such as CITIC, Guangfa and Minsheng will be high. Second, it depends on whether the selected bank is convenient for repayment, and whether there are any business outlets of the bank at home or near the unit. Third, it depends on the special merchants. In fact, credit cards are not only used for overdraft consumption, but also can enjoy the discount function of the bank's special merchants. Once you are optimistic about a bank's credit card, you can call the bank's customer service phone number and make an appointment with the bank staff to handle the card at home. If it is not convenient to go to the door to apply for a card, you can also choose to apply online.
From the feasibility point of view, there are two major factors in the standard of issuing credit cards in banks:
First, personal credit accumulation points determine the credit limit. The scoring standards of each bank are set by the head office, and the standards are different. After the customer applies for a credit card, the issuing bank will integrate factors such as age, occupation and deposit, and each item will be scored, which will be summarized into a credit accumulation score, and finally the credit limit will be obtained. If the points fail to meet the standards set by the issuing bank, the application is likely to be rejected, but there is still a chance to apply in other banks.
second, personal career stability has a high credit rating. The same application materials get different quotas, which is due to the different proportion of items in the credit card scoring system of each bank. For example, some banks focus on occupations, while others focus on culture and education. But most banks value the source of personal repayment most. For example, the credit score of married people is higher than that of unmarried people. Housing is higher than no housing; Those who have accounts in the bank and often have records of capital in and out are higher than those who don't.
So the credit card limit has a lot to do with the applicant's own conditions.
To sum up, the landlord can choose which bank to handle credit cards according to his own needs, and the cycle of handling credit cards is about two weeks. I hope my answer can help the landlord!