1. Age and education

Although many banks stipulate that the age for applying for a card is 18 to 55 years old, and the education level must be above a college degree. However, compared with young people who have just graduated and have been working for a long time, banks are more likely to favor applicants with high education levels between 25 and 45 years old. After all, people with high education in this age group are more likely to obtain high-paying positions, have strong job stability, and are already married and starting a business. , the income will be relatively higher.

2. Occupational nature and personal qualifications

Many banks will classify applicants according to their occupational nature, such as teachers, civil servants, lawyers and other stable professional employees, especially state-owned institutions , Fortune 500 companies are considered high-quality customers in the eyes of banks, and their repayment ability is usually stronger than that of ordinary salarymen. In addition, people with more qualifications have more social experience and wider connections, and it is easier for them to obtain high incomes.

3. Personal debt ratio

Usually judged through the loan records and credit card records shown on the personal credit report, combined with the applicant's income. If the total monthly repayment amount of loans and credit cards on the applicant's credit report exceeds 50% of the monthly income, it means that the applicant has high debt and his repayment ability will be compromised.

4. Personal assets

Those who have real estate, cars, certificates of deposit, financial products and other assets under their names can apply for a card through offline submission. The rate is relatively high. Because personal assets can reflect the applicant's financial ability and guarantee their repayment ability, banks will be more confident in approving cards, and will also approve cards with large amounts.