Why are all the credit cards I applied for only about 1, yuan

The credit cards I applied for only about 1, yuan is because the amount is determined according to the score, and a comprehensive score is made, including: education, marital status, work unit, housing situation, personal loan, position, length of service, income, credit history, whether the application form is filled in in detail, etc.

the credit cards of the four major banks are the most difficult, and the credit lines are also the most difficult to increase. Therefore, relatively speaking, China Merchants Bank, Bank of Communications, China CITIC Bank and China Guangfa Bank have higher credit cards than those big banks such as Industrial and Commercial Bank and China Construction Bank.

What conditions should a high credit card pay attention to:

1. Credit history: Credit history can be said to be the main factor considered by banks. If a person has no credit, why should banks trust you and give you a high credit card? Therefore, the bank will check the applicant's credit record online. If the applicant has a bad record, the bank will generally refuse. If the credit record is good, the amount can be raised smoothly.

2. Education: Although it can't be said that people with high education are necessarily excellent, the general education is directly related to people's quality. Generally speaking, the credit card ratings of high school and university education are the same, while those with postgraduate education or above will get higher ratings and correspondingly higher quotas.

3. Job title: A good and stable job can definitely get extra points. Applicants with higher job titles, longer working years and high stability in the industry can successfully raise the amount.

4. economic strength: this is an important criterion for bank audit. economic strength refers to the income certificate issued by the work unit. if the income is high, it is natural to successfully obtain a higher quota.

5. Personal housing: Applicants who own their own property often have certain financial ability, so it is not difficult to increase the credit card limit.

6. Marital status: For banks, the income of applicants who have established a family is often relatively stable, so married people usually have a higher rating than unmarried people, and it is easier to get a higher quota.

Suggested order of card application:

1. Bank of Communications credit card (preferably approved, with a low amount);

2. China Merchants Everbright Guangfa Credit Card (easy to approve, quick to withdraw the amount, and freeze the traffic at this time, no matter how much it is);

3. When the investment is increased to 4, yuan, apply for Ping An and CITIC (they both refer to the maximum amount of existing cards);

4. Apply for Pudong Development Credit Card (refer to the maximum amount of existing cards, and pay more attention to the utilization rate of existing cards without paying attention to liabilities);

5. At this time, there is a credit card limit of 4, yuan, not counting cash installment, reserve fund and the like (try not to use these things unless there is an emergency, because the banking policy has become too fast, such as not giving them temporarily, and the limit is suddenly reduced, which is a common occurrence, such as Ping An, China Merchants Bank and China Everbright last year);

6. The last step is to apply for an industrial and commercial agricultural credit card (take care of it slowly when you have funds).

it's the first time to apply for a credit card, and there is a limit of 1, yuan. What level is it?

not bad.

generally speaking, the initial limit of an ordinary credit card is between 3, yuan and 3, yuan. For some people who are recognized by the bank as having a low credit level, the credit limit given may also be less than 3 yuan. At one time, banks strictly controlled the credit limit of multi-credit customers (applying for credit cards from multiple banks at the same time), and it was also common to give the initial credit limit of 5 yuan. In other banks, for college students' credit cards, the initial limit given is "" without parents' signature guarantee, which means that overdraft consumption cannot be made. Therefore, the initial limit of a credit card is related to the card type. The initial amount of ordinary credit cards is low, and the initial amount of high-grade credit cards such as gold cards and platinum cards is high, and the initial amount is generally more than 3, yuan. For some specific card types, the initial amount will also have special provisions. For example, the initial amount given by the bank to the car credit card issued by the owner is generally more than 1, yuan. Because in the bank's view, people who own cars have more assets, better economic conditions, larger consumption quotas and stronger repayment ability, and banks are assured of giving higher credit lines to such customer groups.

for credit cards with low initial credit limit, the credit limit can be increased through normal credit card spending in the future. Generally speaking, in order to improve the credit limit of a credit card, we should do the following six things in daily credit card consumption:

1. Credit card consumption should be frequent, and it should be multi-purpose (that is, consumption in various occasions, wine, hotels, supermarkets, special shops, etc.). 2. Don't cash out frequently, especially if you can't "often fix in a private store to make a large amount of credit card". 3. The amount of credit card spending for several months should be close to the credit limit, so that the bank can realize that the credit limit given to you is not enough. 4. Repayment should be timely and overdue; And you can't always use the "minimum repayment amount", otherwise the bank will think that your repayment ability is insufficient. 5. Use the credit card installment business many times, so that the bank can earn some installment fees. I think you are a cardholder who can bring greater benefits to the bank, and I am willing to give you more credit lines. 6. Provide proof of assets to the bank, such as real estate registration certificate (real estate license), car driving license, etc., to prove that you have strong financial resources, so that the bank can safely give you an amount.

the amount of platinum card is only 1, yuan? Related to these reasons!

In many people's minds, Platinum Card is a high-end credit card. Regardless of rights and interests, its quota is higher than that of Jinpu Card, at least starting from 5, yuan. But in fact, there are many people who are dissatisfied with the amount of platinum card. There are often posts on the Internet saying that the amount of a platinum card is only 1, yuan. There are two main reasons for the low amount of platinum cards, as follows:

1. Small platinum cards

There are several kinds of platinum cards in many banks, such as small platinum, standard white, elite white and diamond white, etc. Different types naturally have different amounts. Generally, the lowest amount is small platinum, which is often considered as a fake platinum card. The amount is often below 5, yuan, so it is common to get a platinum card with a quota of 1, yuan, and some people even have a lower quota.

For example, the Platinum Card for Burning Dreams, which was relaxed by the Agricultural Bank of China, has a platinum card level, but the amount of the next payment is generally not high. After consulting the customer service, I learned that the minimum amount is only 2, yuan, and even some netizens received an invitation to apply for a card by SMS, and the amount is only 1, yuan. To be honest, this amount is really not comparable to the gold cards of some banks.

second, the personal qualification is not enough

of course, the credit card quota ultimately depends on the qualifications of the applicant, which is also an important reason why many people obviously run platinum cards, and the result is only 1, yuan, or even lower. After all, your personal qualifications don't pass, and you can't let the bank recognize your repayment ability. Naturally, the bank won't take the risk to grant you a large card.

The influencing factors include education background, technical title, working status, marital status, economic ability and financial status.

summary: the amount of a platinum credit card is not necessarily large. If your qualifications are not particularly good, you'd better apply for a gold card, so the amount will be larger. If you reluctantly apply for a platinum card, although there is a chance of success, the amount of the card is generally not high.

Bank of China Great Wall UnionPay Platinum Credit Card has a credit limit of only 1, yuan, which is free in the first year and 8 yuan in the next year. Is it necessary to activate this card?

The annual fee of China Bank Platinum Credit Card for the next year can be reduced or exempted by swiping 12 times and over 2, yuan, or the annual fee can be exchanged by using 1, transaction points. You can choose whether to activate the card according to your own needs.

the above contents are for your reference. please refer to the actual business regulations.

that's enough for the introduction of the credit card limit of only 1,.