Credit card limit is generally evaluated comprehensively according to the information submitted by users, and personal credit information will also affect credit card limit. When users apply for a credit card, they can generally get a good amount by submitting a good financial certificate, which is also the key point for banks to consider when issuing credit cards.

Credit card application generally requires 18 years old or older, and users need to submit work certificates. The better the general nature of work, the higher the amount of bank cards issued. For example, teachers, doctors, lawyers and employees of state-owned enterprises are the first choice for banks, and such users will get a good quota.

When applying for a credit card, the higher the educational background, the higher the credit card limit of the bank. For most people, a higher educational background represents high income and good credit. Banks will not worry about such users not paying money or overdue repayment, and the probability of passing a credit card with a high degree of education is also great.

Credit cards can be applied through different channels, such as bank counters, bank official website and bank card salesmen. Users who apply for a card through a bank in official website can get a credit card faster, but the amount of the card may be lower; Applying for a credit card through the bank counter is slow, but the amount of cards issued is high.

Before applying for a credit card, you'd better know all the benefits of this credit card and how much money you can save by swiping it. You also need to know the annual fee of this credit card and how to reduce it. Then there is the withdrawal ratio and how to collect the withdrawal fee.

Users need to activate the newly applied credit card to use it. Generally, the activation method will be marked on the mailed envelope, and users can choose the activation method that suits them. After activation, you can use your credit card. New cards must be consumed step by step. Don't brush all the quotas at once, and pay them back on time later.

How is the credit card limit set?

1. The overdraft limit is directly related to the materials when you apply. Such as income, car, house, nature of work, etc. In other words, as long as you can prove that your income is high, your job is stable, you need a lot of money (business owners, foreign executives), and you can ensure that you can repay on time (executives, institutions), they will give you more money.

2. Also, you often spend by credit card. They see how much you spend and how much you pay back, and increase your quota every year. Of course, you can also apply for an increase yourself.

If you have 5 million time deposits in the bank, they will directly give you a platinum card with a limit of 500,000.

4. When applying for a credit card, you need your financial payment, proof of ability and other documents. If you have a high monthly income and have certificates such as real estate license and vehicle insurance, you will generally have a card approval amount of 10 thousand or tens of thousands, and the card approval amount of each bank is different. However, the overdraft limit will automatically increase within half a year or a year with the frequency of credit card use. I used to run a youth card of Bank of Communications. My salary is relatively low, but I also gave a quota of 5000 yuan. It was used for half a year, and it was automatically adjusted to1w.