The credit card limit is related to the following two conditions: first, your credit card usage, if your credit card is repaid in full and on time every month, the probability of improvement will be greater; Second, if your credit card is used frequently, the bank will give priority to your credit limit. If you use it once or twice every six months, the credit limit may not be greatly improved.

You don't need a social insurance policy. The bank credit card is based on your actual application and refers to the credit rating, that is, all the repayment records registered with your ID card are used to determine the amount. For example, if you apply for an ICBC credit card and deposit a time deposit with the same ID card, your credit limit will reach the time deposit limit.