Credit cards are generally divided into three grades: ordinary cards, gold cards and platinum cards. The amount of ordinary cards is generally below 8,000 yuan, the amount of gold cards is generally between 8,000 yuan and 50,000 yuan, and the amount of platinum cards is generally above 50,000 yuan. The specific amount depends on the final audit of the bank.

The credit card limit is mainly determined by the applicant's own qualifications. User qualifications mainly include gender, the nature of work unit, the proportion and amount of provident fund, and even the use time of mobile phone number, the address of family members, whether the provided contact person has a good record in the bank, whether the card handling channel has a good record, and so on.

The bank decides the card approval amount according to the comprehensive score of the materials submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and so on. A score segment corresponds to an achievement, from low to high.

In fact, the initial quota is not important, it can be increased after use, and the quota can be adjusted for temporary emergencies!

Tip: Cardholders should keep good credit records when using credit cards, so as to increase the credit limit in the future.