CCB:

1. The maximum score for guarantee support is 15 points

(1) The maximum score for housing rights is 8 points

None 0 points for renting a house

2 points for renting a house

4 points for unit welfare and room allocation

8 points for owning or buying a house

(2) Yes or no The maximum score for mortgage is 7 points

With mortgage 7 points

Without mortgage 0 points

2. The maximum score for financial support is 34 points

(1) The maximum score for personal income is 26 points

26 points for a monthly income of more than 6,000 yuan

22 points for a monthly income of 3,000 to 6,000 yuan

2,000 monthly income ~18 points for 3,000 yuan

13 points for monthly income of 1,000~2,000 yuan

7 points for monthly income of 300~1,000 yuan

(2) The highest monthly debt repayment situation Score is 8 points

8 points for no debt repayment

6 points for 10~100 yuan

4 points for 100~500 yuan

500 Yuan or above 2 points

3. The maximum score for personal stability is 27 points

(1) The maximum score for employment status is 16 points

Civil servants 16 points

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Public institutions 14 points

State-owned enterprises 13 points

Joint-stock enterprises 10 points

Others 4 points

Retirement 16 Points

10 points for unemployment with social assistance

8 points for unemployment without social assistance

(2) The maximum score at the current address is 7 points

7 points for more than 6 years

5 points for 2 to 6 years

2 points for less than 2 years

(3) The maximum score for marital status is 4 points

2 points for being unmarried

3 points for being married without children

4 points for being married with children

4. The maximum score for personal background is 24 points

(1) The maximum score for household registration is 5 points

Local 5 points

Outside 2 points

(2) Culture The maximum score for the degree is 5 points

1 point for junior high school and below

2 points for high school

4 points for technical secondary school

5 points for college and above Points

(3) The maximum score for age is 5 points

5 points for women over 30 years old

4.5 points for men over 30 years old

3 points for women under 30 years old

2.5 points for men under 30 years old

(4) The maximum score for breach of trust is 9 points

0 points for no investigation

0 points for no record

0 points for one breach of trust

9 points for breach of trust more than twice

9 points for no breach of trust

Generally speaking, if your credit score does not meet the bank’s standard card issuance requirements, it will be rejected. The higher the credit score, the higher the credit limit of your credit card. You can refer to it to see why the credit limits of public institutions, civil servants, doctors, and teachers are so high. In the entire credit score, It can be withdrawn.