Ability

• The first thing potential creditors look for is whether or not you have enough income to support an unsecured line of credit. This is not simply based on your annual income, but rather on your debt-to-income ratio. According to InvestorWords.com, debt-to-income ratio is a formula that determines how much of your income is already spoken for by existing financial obligations.
  
  

Stability

• Even if you have a high-paying career, if you've only been in the position for a short period of time, lenders may be less willing to give large credit lines, since you have yet to establish your dedication to that position. A substantial history with an employer, as well as long-term debts (such as mortgages), will demonstrate your stability as a borrower.
  
  

Willingness to Pay

• Even if your income is high enough to support an additional loan, potential creditors will conduct a credit check to view your past payment history with other lenders. This will show how you have handled your credit in the past and give your potential lender a good idea of how reliable you are with your payments.