Credit cards and loans require proof of income, but do not necessarily require a college degree. Banks believe that people with higher education are more likely to comply with credit terms than those with lower education, and they will have a certain degree of success in finding a job than those with a high school degree. Advantages, so when reviewing credit cards and loans, a college degree or above has a higher score than a high school degree. In fact, what banks value most is the income certificate. The income certificate bank will focus on: the company's strength and the applicant's job position, etc., you are in If you work for a powerful company and your position is clerk or above, banks will process credit cards and loans for you even if you have a high school degree.