Credit card applications should show various documents, such as ID card, car license, real estate license and other documents that can prove the applicant's financial resources. But the card god also learned a strange phenomenon: some wage earners will get a credit line of 10 thousand or even 10 thousand as long as they don't need to provide too many documents when applying. And some high-paying people, with an annual salary of 6~7 figures, have been rejected by banks. What kind of mechanism is behind this? Who decides the credit card limit?

Card god can tell you that the credit limit of your credit card is determined by the bank's scoring system. The credit card center of the bank will have a special auditing agency to evaluate the documents submitted by the applicant. In addition, reference will be made to the applicant's credit history. The auditor will input the applicant's information into a scoring system, and the last computer will evaluate the personal credit.

The issuing bank will consider the applicant's age, occupation, deposit, assets, housing and other factors, and the computer scoring system will score each item according to certain standards, and finally summarize it into the accumulated credit score. The number of points will directly affect the size of the credit line. If the points do not meet the eligibility criteria set by the bank, the application may be rejected.

Other influencing factors of credit limit

Applicants are free to apply for a credit line, but ordinary banks will measure it from the customer's personal marriage, work, education, economic ability, technical titles and other aspects. Then decide whether to reply. Here are some detailed factors that affect your credit limit:

Marital status: Banks prefer married and well-connected customers, which will be more stable than singles. In the simulation evaluation system of a bank, under the condition of other conditions unchanged, married people can get a whole level of credit promotion than unmarried people.

Technical title: borrowers with the titles of engineer, economist, accountant and excellent teachers at all levels are more favored by banks and often get extra credit.

Job: Employees in industries with high stability can also get extra points. For example, civil servants, teachers, doctors, and some employees with good welfare benefits, fashion industry and media people will be rated as high because of their strong spending power. Economic ability: People with detailed personal income certificates, stable income and long-term income growth prospects will be highly praised.

Personal housing: owning personal housing can also show that individuals have a certain economic foundation and can get extra points.

Education: The credit rating of high school education and undergraduate education has not changed.

Credit loan: Since there is no need for collateral, the credit company only judges whether the customer meets the loan conditions through the personal income, assets, credit records and other information provided by the lender, so the credit review will ask the lender a particularly detailed question in the telephone interview to verify whether the information provided by the lender is true and effective.

Unfortunately, many borrowers often have problems when they are not ready to answer the questions of credit customers, which leads them to refuse to lend. The following are some common questions collected and sorted out by Card God from many credit problems. As long as you can answer these questions, the loan pass rate will reach 90%.