1. The credit card limit is approved by many people and many links in the bank's full-time department, and will be graded according to the overall situation of the applicant. The scoring criteria include many aspects: the applicant's bank credit record, the nature of the work unit, age, marital status, position, income, real estate, cars and other assets. If you can also prepare the following materials when applying for a credit card, it will certainly improve the efficiency of card handling and increase the credit line for credit card approval: copy of driving license, copy of real estate license, large deposit certificate, stock fund, certificate of valuable assets, copy of other bank credit cards, etc.

2. The office telephone number left when filling out the application form must be a valid fixed telephone number, and someone will answer it. When the bank pays a return visit, it will simply ask questions, for example, does this person exist in the company and what position? The application form must be truthfully filled in and signed by myself, and the bank will ask questions about several items in the application form, such as home address, whether I applied and signed it.

3. The credit card will enter the card-making process after the bank pays a return visit. During this period, you can call the bank's customer service phone to check the progress and quota of the card, and the credit card will be sent to your home or work address by registered mail. When you receive a card, you need to call the bank to activate it (the activation steps are explained in detail in the letter). Except for a few credit cards, most credit cards have annual fees, which are generally exempted after swiping the card for 6 times on average.

4. It is free to apply for bank credit cards, but the more credit cards you apply for, the better. Too many cards will affect the new cards and credit line. It is recommended that the number of applications should not exceed three.