ICBC has the highest credit card quota, followed by Agricultural Bank and China Everbright Bank, both above 30,000. If it is easier to apply for credit cards, then the four major state-owned banks are obviously at a disadvantage. Among them, the last bank to apply for a credit card is China Merchants Bank. In addition, in fact, after several years of development, ICBC has lowered the threshold for handling credit cards.

Credit card limit is determined by the following two factors:

Personal credit accumulation points determine the credit limit. The scoring standards of each bank are set by the head office, and the standards are different. After the customer applies for a credit card, the card issuing bank will score each item based on factors such as age, occupation, deposit, etc., and summarize it into a credit cumulative score, and finally get the credit limit. If the points fail to meet the standards set by the issuing bank, the application is likely to be rejected, but there is still a chance to apply in other banks.

Personal career stability, high credit rating. The amount of the same application materials is different, because the proportion of items in the credit card scoring system of each bank is different. For example, some banks focus on occupations, while others focus on culture and education. However, most banks value the source of personal repayment most. For example, the credit score of married people is higher than that of unmarried people. Housing is higher than no housing; People who have accounts in the bank and often have records of money in and out are higher than those who don't.