Credit cards are closely related to our consumption, many times we can use credit cards to spend in advance, the new iPhone after the market can be purchased with a credit card, and then credit card installment operation, so that you can enjoy the new iPhone in advance, and you can also use credit cards to get a lot of welfare coupons, coupons. If you encounter the epidemic, lose your job or have temporary financial difficulties, then you can also use credit cards to make a transition, if you use it properly, then many people can make money with credit cards.
How do I apply for a credit card with a higher limit and how can I quickly increase my credit card limit?
First of all, everyone must have a clear understanding of the bank institution, in fact, all its activities, the ultimate purpose is also to make profits, but in this process, some risk control will be carried out. For example, if you apply for a credit card, in fact, similar to taking a bank exam, different banks will score your conditions according to their own internal scoring rules, and then add up your small scores to get a total score, if the total score is high, then you will naturally get a relatively large amount of credit card.
The issuance standard, in the final analysis, depends on whether the applicant has the ability to repay, the credit card is issued to you, can it bring profits to the bank, and having a stable job is the best guarantee, so what aspects will the bank's internal scoring rules mainly consider?
(1) Personal marital status
For example, your marital status, married in marital status, the score of having children is greater than married, married is greater than unmarried, unmarried is greater than divorced, and the group of married children is a relatively stable group for banks, so the natural score is higher.
(2) Education status
The higher your education, the higher your score. Generally speaking, the score obtained from undergraduate level onwards will be relatively high.
(3) Age limit
Age 23 to 50 years old, this range of your score will be a little higher, age too high or too low, the bank will think that your repayment ability is limited, and in this range, 30 to 45 years old, generally speaking, the score is relatively high.
(4) The place of household registration
Some banks' urban household registration score will be higher than rural hukou, may be because the average income of the urban population is higher than that of rural areas, and a very important point is your mailing address, this point, must remember the mailing address of the credit card, must choose this company, the company's score is much higher than the household, because the bank thinks that this can directly prove that you work here, and this point is often many people do not care, send the credit card home directly, then the bank will default to the work information submitted for you may have problems.
Credit card is a tool to help us get through the difficulties in life, we must use it reasonably, so that it can benefit our lives, so when applying, we must strictly follow the process to apply, so that our credit card limit can increase.
