High-quality bank customers have always been a relatively mysterious existence. As long as they meet certain standards, they can enjoy the bank's benefits, whether in terms of approval rate, quota, interest, or speed, which are better than others.

Generally speaking, banks will comprehensively assess customer contribution based on financial assets, personal liabilities (credit cards), intermediary businesses (such as investment and financial management), settlement (such as long-distance remittances), card consumption and other items, and also That is to say, high-quality customers are users who contribute highly to the bank's profits. In addition, personal credit record is also an important factor for banks to determine whether a card applicant matches "high quality". Whether the applicant has borrowed money before and repaid it in full and on time, whether there is any overdue record, the overdue amount and the overdue duration, etc. Generally, high-quality customers have good credit records and excellent credit status.