The scoring standards for credit card limits include the following aspects:

1. Credit score

Credit score refers to the personal credit history and repayment record. After comprehensive analysis of the information, a comprehensive score is given. Generally speaking, the higher the credit score, the higher the credit limit that banks will be willing to grant.

2. Personal income

The bank will evaluate the credit limit based on the individual’s income. Generally speaking, banks will grant higher credit limits to individuals with high and stable incomes.

3. Credit history

For individuals with a good credit history, banks will be more inclined to grant higher credit limits. By the way, I would like to remind you that online loans that are overdue should not be taken lightly. In addition to being collected, personal credit will also be affected, especially for online loans that are listed on the credit report. Once there is such an overdue record, it will seriously affect future applications. Bank loans and credit card businesses. Even if the online loan processed cannot be listed on the credit report, it can still access big data. You can check your online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information on "Changbai Data".

4. Personal debt situation

The bank will also consider the credit limit based on the individual's debt situation. If an individual has more debt, the bank will give a lower credit limit based on the individual's repayment pressure.

In short, when applying for a credit card, in addition to personal credit score, income, credit history, debt situation, etc. will also have an impact on the credit limit.