If you want a high-limit credit card, in addition to asking the bank to increase the limit, you should be prepared from the time of application to apply for a high-limit credit card. So, what are the requirements for applying for a high-limit credit card?

1. Educational qualifications and work unit

1. The level of academic qualifications has a certain impact on the credit card limit. Generally speaking, those with a graduate degree or above will be rated higher.

2. Banks are very fond of customers with strong working ability. Civil servants and large state-owned enterprises and institutions have relatively higher job stability, and of course they will approve higher quotas.

When filling out the credit card application form, the above two points must be filled in truthfully, because the bank will call the unit for verification when verifying personal information. If there is false information, the credit card will definitely be rejected.

2. Marriage and income

1. Banks have higher approval limits for married people because married people are more stable than unmarried people. If you are single, it is recommended to fill in "married" when applying for a credit card. The bank will not go to the Civil Affairs Bureau to investigate.

2. The annual salary of the card applicant affects the credit card limit

There are a few tips when filling out the application form, which can appropriately increase the income. If you are a senior corporate executive with an annual salary of one million, you can There is no need to do this. If your income is low, the bank can estimate your annual income based on the social security paid and the city where you are located, so don't exaggerate too much and stop there.

3. Personal credit report and proof of financial resources

A good personal credit report has a great impact on the credit card limit. Providing other sufficient proof of financial resources is the most helpful application condition for credit card limits. For example, if you have a house, if you have a house, then living by yourself will have a higher score than living with your parents. If the card applicant has an account and time deposit in a bank and has frequent fund flows, this will also have an impact on the credit card limit.