1. Maximum score of guarantee support 15.

(1) The highest score of housing right is 8.

No room, 0 points.

Rent a house for 2 points

Unit welfare housing distribution 4 points

All or buy 8 points

(2) With or without mortgage, the maximum score is 7 points.

Mortgage loan 7 points

No guarantee 0 point

2. The highest score of economic support is 34 points.

(1) The highest personal income is 26 points.

Monthly income of more than 6000 yuan 26 points

The monthly income is 3000~6000 yuan and 22 cents.

The monthly income is 2000~3000 yuan 18 points.

Monthly income1000 ~ 2,000 yuan 13.

7 points if the monthly income is 300~ 1000 yuan.

(2) The maximum monthly repayment score is 8 points.

Deduct 8 points without debt repayment.

10~ 100 Yuan 6 points

100~500 yuan 4 points.

2 points above 500 yuan.

3. The highest score of personal stability is 27 points.

(1) Maximum employment score 16.

Civil servants 16 points

Institution 14 points

State-owned enterprises 13 points

Joint-stock enterprises 10

Other 4 points

Retirement 16 points

Unemployment has social assistance 10.

Unemployed persons without social assistance 8 points

(2) The highest score in the current address time is 7 points.

More than 6 years and 7 minutes

2~6 years and 5 minutes

Deduct 2 points for less than 2 years.

(3) The highest score of marital status is 4 points.

Unmarried 2 points

Married without children deducted 3 points.

Married with children 4 points

4. The highest score of personal background is 24 points.

(1) The maximum score of household registration is 5 points.

Local 5 points

2 points in other places

(2) The highest educational level is 5 points.

Junior high school and below 1 point

High school 2 points

Middle school 4 points

University or above 5 points

(3) The maximum age score is 5 points.

For women over 30 years old, 5 points

Male over 30 years old, 4.5 points.

3 points will be deducted for women under 30 years old.

Male under 30 years old 2.5 points

(4) The highest score of dishonesty is 9 points.

Not investigated 0 points

No record 0 point

Treachery gets 0 points.

More than two broken promises-9 points

Deduct 9 points if there is no good faith.

Generally speaking, if your credit score does not meet the bank's standard card issuance requirements, it will be rejected. The higher your credit score, the higher your credit limit. You can refer to why the credit lines of institutions, civil servants, doctors and teachers are so high that they can be withdrawn from the whole credit score.