Credit cards are a common loan program that brings convenience to our lives. However, when we use credit cards, we may find that our credit card limit is less than others', so what should we pay attention to when applying for a high limit credit card? The most important thing for the bank is your job, as your job information is directly related to your income and your ability to make payments on time. So, how will our job affect our credit card?
(1) Unit information
National enterprises, private enterprises, people in these units have very high credit card limits, because these units often do not resign, change jobs, etc., so the income is very stable, so the credit card limit of these enterprises is relatively high, often higher than the world's top 500 enterprises. If you don't work, then your credit card limit is very low and sometimes your credit card application is rejected.
(2) Annual income
When applying for a credit card, the lower the annual income, the lower the credit card limit you apply. However, there is actually a cap that suits your position and ability to reimburse. For example, if your annual income exceeds a certain value, no matter how much you fill in, it will not increase your credit card limit. It's not that the more you fill in, the bigger your quota will be.
(3) years of service
If you work longer in the unit, the better, the bank will think that you are a person who works safely, and people who work safely and steadily will generally not be short of money, generally more than five years, the limit of credit card will be very high.
(4) Information on the individual's industry
There are some jobs when applying for a credit card, the bank will give a very low amount, such as intermediaries, because in general, intermediaries may quit after a few months, change jobs, quite unstable, so banks will give relatively low credit card limits. For example, some KTV, bars, saunas, baths, financing, loan companies, these companies, often liquidity, banks will consider this type of risk quite high.
(5) Regarding personal duties
Corporate executives are larger than general management or technical executive positions, so when company executives apply for credit cards, the limits are high. Technical and administrative positions, as well as the finance department, administration department, procurement department, employees of these departments when applying for credit cards, the bank will give a higher limit, because the income of these departments is relatively high, but it is also relatively stable, the bank is willing to apply for a high amount of credit cards for users with stable income, if it is the production department, marketing department, sales department, investment department, employees of these departments when applying for a credit card, the bank will give a very low amount, because the income of the production department is relatively low, and other income such as the sales department, These revenues are volatile and may not be able to repay credit cards.
When we apply for a credit card, our work will also affect the limit of our credit card, we must keep ourselves a good source of income so that we can apply for a credit card with a higher limit.
