Hello, I'm Lao Xu, a struggling financial migrant worker. Please pay attention to me and discuss financial issues with me!

when we apply for a credit card, the bank has a lot of audit indicators for users, such as the user's credit status, repayment ability and other credit card limits, which will determine your credit card limit. Everyone's credit card limit is determined according to everyone's actual situation, and each credit card center has different criteria for determining the credit card limit.

when we apply for a credit card, the bank will check the credit card limit of the user according to our application information and personal credit report. As for the credit situation, the bank will review the user's credit according to the user's personal credit report, which contains the historical repayment record of the user's credit card and loan. If your repayment record is normal, then the bank will recognize your credit situation. If your repayment record has been overdue, then your credit situation may not meet the requirements of the bank. Of course, if your credit report is a white account, then the bank may not approve your credit card.

regarding the repayment ability of users, the credit card center will mainly make appropriate decisions according to the information on your application form. The application form contains your work information, and you can roughly analyze your income from your work unit, position and working years. If the analyzed income is high, your credit line may be high. If the analyzed income is low, the credit line you can obtain may be low.

the credit card center will also refer to the credit card limits of other banks. If the credit card limits of users are high, the credit card limits of users may be high; if the credit card limits of users are low, the credit card limits of users may be low. Although each credit card center has different auditing standards for the user's quota, the auditing standards of each credit card center are similar on the whole, so the quotas of other credit cards still have a strong reference for the quota approval.