Under normal circumstances, there is no fixed limit on the standard credit card gold card of Guangzhou Bank UnionPay. The impact on the credit card limit is mainly the cardholder's personal credit status. If your personal credit status is very good, you will get a fairly high credit limit. Generally speaking, the maximum amount of the standard credit card of Bank of Guangzhou UnionPay is 50,000 yuan.
In other words, the eligibility you provide directly determines your quota:
1, the most important thing is work, which shows your cash inflow ability and stability. The best is civil servants, followed by institutions, followed by large enterprises, foreign-funded companies and so on; Small companies generally have no special points.
2. Next is the location. The higher the position, the higher the income, the stronger the repayment ability and the higher the quality.
3. Credit history, your previous credit card repayment and loan repayment.
4. Education level.
5. Assets, real estate, vehicles, deposits, bank wealth management products, etc. Will get extra points.
If you feel that the credit card limit is far from meeting your needs, you can increase the limit like this:
1, withdrawal time: credit card used for more than half a year; If you apply for permanent withdrawal again, it will take more than half a year from the last application for withdrawal.
2. Keeping a good credit record is the key to increase the credit limit.
3. When the cardholder's financial situation has improved, you can mail the financial proof materials that have not been submitted before to the credit card center of Guangzhou Bank, such as the car under the cardholder's name, the real estate under the cardholder's name, the securities under the cardholder's name, the passbook under the cardholder's name, etc., which are very conducive to improving the credit limit.
4. Usually, more credit cards and more spending can increase your chances of successful application; It is also necessary to ensure the amount of consumption, and occasionally there must be several large-scale consumption. In addition, we should pay attention to avoid spending money in the same place often.