Factors affecting the amount of credit card application
First, assets affect the amount of credit card approval.
Common assets include: houses, cars, time deposits and so on.
Second, credit affects the credit card approval amount.
The quality of credit will affect the amount of credit. Developing good credit habits, such as paying back credit cards, mortgages, car loans, white bars and gold bars on time, will help improve your credit information.
Three. Work environment impact application and quota approval
People who work in public institutions have a higher probability of applying for credit cards, largely because their jobs are stable, that is, their income is stable. In addition, their income and benefits (five insurances and one gold) are good, which shows that customers have quite good repayment ability, and such customers are high-quality customers in the eyes of banks. Don't panic in this situation. As long as our company has a certain number of years and a certain scale, most employees are qualified to apply for cards. In addition, some industries are restricted by banks, such as intermediary consulting, massage and other leisure and entertainment industries, beauty salons, small retail, illegal occupations and so on.
4. Your current career development stage will affect your quota.
If you are already the management of a relatively large-scale company, then compared with those employees who are still ordinary employees, your application pass rate and approval quota are relatively large, which is a relatively large probability (other conditions are similar).
Five, education and working years affect the application amount.
Education itself is a manifestation of ability. First of all, within the age requirement, the higher the education, the wider the card types you choose to apply for. To put it simply, it is some cards designed specifically for this kind of customers with a large minimum payment or a large amount range. Secondly, if you work for a long time, your quota approval will be affected.
Six, your debt situation affects your approval quota.
Except for the debt mortgage mentioned here, it's easy to understand. Suppose two friends (friend A and friend B) ask us for a loan at the same time. Friend A frequently changes jobs all the year round, with unstable income and even many loans (including online loans). Friend B has a stable job and income. He usually borrows less money from his friends and has less debts. I believe that in most cases, we prefer to lend money to our friend B. Similarly, when applying for a credit card, the bank's approval limit will also refer to our debt situation.