After the user obtains the credit limit, he applies for a loan after a period of time. At this time, because the credit qualification situation changes, the system re-evaluates and reviews the user, causing the available limit to be higher than the credit limit. This situation is very normal. The user's credit qualification will not remain unchanged forever. As long as it changes, the loan limit will also change.

Therefore, the level of credit limit does not affect the actual loan limit. When applying for a loan, the system will also conduct an review on the user, and only after this review will the final loan limit be given.

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Credit card application method

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China) have certain Citizens with direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.