To apply for a credit card, the bank regularly pays RMB 654.38+10,000, which basically meets the requirements of the bank. If there is no bad credit record, you can apply for a credit card gold card, and the amount is generally 20,000-5,000 yuan.

When issuing a credit card to an applicant, the bank will determine the credit card amount according to the applicant's comprehensive score. In addition to income, they will also refer to other factors, including the applicant's age, housing situation, the nature of the work unit, position, working hours, property status, card use, personal credit history and so on.

Specific instructions:

1, the applicant is between 30 and 50, the score will be higher, and it will be affected if he is too young or too old;

2. If the applicant owns his own property and the value of the property is high, the score is high, and if he rents a house, the score is low;

3. If the work unit is a state organ, institution, state-owned enterprise, fortune 500 enterprise, etc. The score will be higher;

4. The higher the position, the longer the working hours and the higher the score;

5. If the applicant has a fixed deposit in the issuing bank or purchased the wealth management products of the issuing bank, his score will also increase;

6. If the applicant already holds a credit card of another bank when applying for the card, he will generally get extra points accordingly;

7. Personal credit records are also very important. Those without overdue records scored high, and the credit "white households" were unpopular and scored low. If you apply for a card many times in the near future, you will also be deducted.

If the applied credit card limit fails to meet expectations, you can provide further proof of property to the bank to apply for increasing the limit. The bank re-examines according to the new materials, including the real estate license, a copy of the real estate license in my name+a copy of the invoice of the real estate water, electricity and coal in the last 3 months, etc. Copy of vehicle production certificate and self-owned vehicle driving license; Proof of deposit, including a copy of the running list of the savings account of the issuing bank in the last three months and the original proof of the asset balance of the wealth management account opened by the branch.