1) Personal income.

Personal income is the most important credit information that banks look for in credit card applicants. If you have a stable and high income, Yinhang will feel safe in lending you money. You can get a higher limit on your credit card. When an individual applies for a credit card and provides a payroll account, he or she can request the company to increase his salary level, and use the excess to replenish the company in cash, so that he can get a high-limit credit card.

2) Academic qualifications and technical titles.

In the credit score system of Yinhang, those with higher academic qualifications will enjoy a higher overall score than those with lower academic qualifications.

3) Proof of personal financial resources.

If you have real estate, cars or deposits, the more powerful you are, the higher the credit limit will be.

4) Marital status.

Married people have higher credit scores than non-married people. Because Yinhang feels that married people are more responsible. At present, many bank loans require married people to get mortgages. For example, with China Merchants Bank's business loan, only married people can get the loan.

The above points are all the reasons for your low quota. Since you graduated from high school, this may be the main reason