The credit card limit is closely related to a person's income level, repayment ability and credit history.

First of all, when applying for a credit card, in addition to basic personal information, the most important thing is to collect information about your assets, liabilities and income, so as to judge your repayment ability and the bank's risk tolerance. . This usually includes: real estate information (with or without mortgage), vehicle (with or without mortgage), marital status (same income level as husband and wife), salary level, etc., the most important of which is salary income.

It should be clear that when a bank issues a credit card to you, it has to bear the risk of the card owner being unable to pay back the money. If the applicant's income is very fluid, with one day and no tomorrow, and very unstable, then of course the bank will lower the limit or even refuse to approve the card. On the contrary, if employees of civil servants in enterprises, institutions and other units have lower risks of salary liquidity and uncertainty, the possibility of card approval and high credit limit is high.

Secondly, if the applicant has a high and stable income but has a lot of debt or a poor credit record, the reviewer will reduce the limit accordingly or refuse to approve the card, because this situation is also risky. , should be considered as appropriate.

Just as the saying goes that risk is directly proportional to income, the same goes for credit card approval. However, whether you want to apply for a credit card or not, it is still very important to maintain a good personal credit record.