If you already have a bank of communications credit card, it is possible to approve the card when applying for a gold card. In addition, even if you approve the cards, the amount of the two cards is shared. I suggest you choose another bank credit card application, so that the amount can be used separately. The approval of China Merchants Bank, CITIC, China Everbright and Guangfa is relatively easy and the quota is relatively high.

For wage earners who don't have much extra income, the appropriate credit card amount is roughly = monthly disposable income ÷ minimum repayment ratio, while monthly disposable income = monthly income (after tax)-basic living expenses-repayment;

At present, the minimum repayment ratio of credit cards is basically 10%, so the maximum amount that banks can grant should be 10 times of the monthly disposable income, which can ensure that the monthly disposable income is at least enough to repay the minimum repayment of credit card arrears.

The credit card limit is determined according to three principles:

1, whether it can be returned on time;

2. The needs of cardholders;

3. The former takes precedence over the latter; The credit card limit is mainly determined by the following aspects: