When handling credit cards, banks will not only look at whether the credit is good, but also judge whether the applicant has the repayment ability. For those who have insufficient repayment ability, they will not easily agree to approve the card. You may not know how the bank judges the repayment ability of the applicant. In fact, it mainly depends on these four aspects.

1, age and education. Although many banks stipulate that the card age can only be 18-55 years old, and the education should be college or above. However, compared with fresh graduates, banks still prefer applicants aged 25-45 with high academic qualifications, because users of this age group are more likely to have high-paying jobs, strong job stability and relatively high income.

2. Professional nature and personal qualifications. Many credit card application platforms classify applicants according to their professional nature. Teachers, civil servants, lawyers and other stable professional employees, especially those working in state-owned institutions, are regarded as high-quality users by banks, and their repayment ability is usually better than that of ordinary wage earners. And the more experienced people, the more social experience, the wider the network, the more likely they are to get high income.

How to judge the applicant's repayment ability? Mainly look at these aspects!

3. Personal debt ratio. Generally, it is judged by the loan records and credit card records displayed on the personal credit report, combined with the income of the applicant. If the monthly repayment amount of loans and credit cards shown in the applicant's credit report exceeds 50% of the monthly income, it means that the applicant is in high debt, so the repayment ability will be greatly reduced.

4. Personal assets. People who have assets such as real estate, automobile products, certificates of deposit, wealth management products, etc. in their personal names apply for a card through offline purchase, and the pass rate is relatively high. Because personal assets can reflect the applicant's financial ability or guarantee his repayment ability, banks are more willing to approve cards, and may also approve large cards.

How to judge the applicant's repayment ability? Mainly look at these aspects!

In short, the applicant needs to have a certain repayment ability to successfully apply for a card, and it is very likely to get a large card.