1, personal income certificate: when applying for a credit card, customers must provide their own income certificate, including monthly income, nature of work unit and position;

2. Personal education and professional title: Due to social views and current situation, those with high education and technical titles should earn more than ordinary people, so banks will increase the credit line.

3. Family conditions: This includes the customer's family economic conditions, whether he is married or not, whether he is a local, etc.

4. Personal assets: such as whether there is a house, a car, bank deposits, etc.

5. Other credit cards and credit lines: If you have a credit card with a high credit line from other banks, you can apply for a credit card with a higher credit line. However, if the credit card limit is too high, the application for other credit cards will be rejected.

I suggest you focus on your personal spending power and repayment ability, and don't apply for a large credit card at will.