Generally, users who apply for credit cards have real capital needs, and naturally hope that the higher the credit card amount they can apply for, the better. But sometimes it backfires and you get a low credit card.

Miss Liu, a netizen, recently applied for a large credit card online, and it didn't take long for the bank to send it. But after getting the credit card, Miss Liu was not happy, because the credit card limit was only 500 yuan.

"There is no way to use such a low amount. If you just buy something, it will explode, which is of little use. I really don't know why the bank issued such a low credit card! " Miss Liu is complaining about this and is considering whether to cancel this low-limit credit card.

So, why do banks issue low-credit cards?

Generally speaking, banks will refer to the following aspects when approving the initial credit card limit:

(1) proof of income

Proof of income is the basic information for applying for a credit card. The higher the income, the better. The higher the income, the higher the initial credit card limit.

(2) Length of working hours

The longer the applicant works, the better. The longer the working hours, the higher the score and the higher the initial quota that can be applied for.

(3) whether there is a bank flow or deposit certificate

Adequate bank flow or deposit certificate is the embodiment of the applicant's economic ability and the guarantee of repayment ability.

(4) Have a good credit record?

If there is a credit record and there is no overdue record, you can get extra points. On the contrary, it is often difficult for "white letter users" or applicants with overdue records to apply for credit cards or low-limit credit cards.

(5) Education, marital status, social security records, etc. It will also have a certain impact on the credit card limit.

Generally speaking, customers who are younger, have short or unstable working hours, and have low incomes are prone to be issued with low credit cards.

This is because such customers do not have a strong repayment ability at present, and considering the risk factors, banks will not issue them with high credit cards. However, this group will increase its income and stability in the future, and may become a high-quality customer of the bank with great potential.

However, in order to retain customers and seize market share, banks will issue low-quota credit cards and sometimes zero-quota credit cards.

What should I do after I get a low credit card?

First of all, don't cancel your credit card easily. Cancelling your credit card will affect your application for a new card in the future.

This is because there is a cost for banks to issue credit cards to applicants. From data review to business card printing and issuing, the cost of a card exceeds that of 200 yuan. If you have a credit card, you will not use it, nor will you contribute fees and other income to the bank, but you will cancel it directly. Some banks will "hold grudges", and you will directly refuse to apply for a credit card.

Click on Bian Xiao's suggestion. After getting a low-limit credit card, it is best to open the card and use it. You can continuously increase the amount during use.

How to raise the amount specifically?

First of all, develop good credit card habits. Avoid malicious overdrafts, illegal cash withdrawals, etc., otherwise it will be easily blocked by banks.

Second, accumulate credit cards. Although the card amount is very low, we should stick to it. It is suggested that card friends can make a full payment before the bill date to ensure timely and full repayment every month. If this continues for a period of time, the bank will think that the cardholder does have a credit card demand and will increase the quota for you.

Thirdly, if you take the initiative to ask for the amount, you can go to the bank to submit proof of your fixed assets such as your vehicle and real estate license, so that the bank can change its impression of you and achieve the purpose of raising the amount.

The above situation is probably the reason why the credit card limit is small. Bian Xiao also tells you how to deal with it. Increasing the credit card limit has many advantages. When you are in urgent need of cash, we can provide you with a POS machine for free to help you turn over your capital. The interest rate is lower than that of the bank. As long as it is 0.55%, it will arrive in seconds. No matter whether you want to rent a house, pay back the money or buy a house, you can pay attention to the "Bihuan Technology" in the official account of WeChat, only what you can't think of is nothing.