It is easier for married people to apply for credit cards with higher limits

When applying for a credit card, what is the difference between married and unmarried people? Is it easier for married people to get credit cards? The bank has its own set of internal review standards, and married people have greater stability

1. Marital status

In the simulated review system of some banks, when other conditions remain unchanged, Under this situation, married people can get a whole level of credit improvement than single people, because people with families are more stable.

2. Technical title and working status

Technical title is a testimony of the customer’s working ability. For example, if engineers, economists, accountants, outstanding teachers, and lawyers of all levels become borrowers , the credibility will be higher; similarly, if the credit card user is engaged in a more stable industry, such as civil servants, doctors, power systems and other industries, they will be more favored by banks, and will also be improved according to the level and years of work. Credit rating.

3. Financial ability

The personal income certificate of the unit is a strong evidence that can show the cardholder’s income expectations and whether the income is stable. If it is in a high-income industry, Employees will add more points when rating, which is naturally beneficial to the quota increase.

4. Housing situation

This is a very important situation. If the credit card applicant owns a personal house, it proves that he has a certain financial foundation. In this case, The bank is very willing to let him become a credit card user and is very willing to increase his limit.

5. Credit record

Nowadays, the credit records of all banks are connected to the Internet. If the credit card user has opened an account in the bank in the past and has a record of funds entering and exiting, then some customers will be fined. If the credit card has bad records such as interest rates, the bank will consider raising the credit card limit at its discretion; on the contrary, if the record is good, the bank will raise the credit card limit smoothly.

6. Education status

The credit ratings of those with high school education and undergraduate education will not change, but those with graduate degrees or above will have a higher rating.