? Today, I would like to share with you some points for attention when I want to apply for a large credit card.
First, you can't apply for cards frequently in a short time.
Under normal circumstances, multiple credit cards of each bank share the quota (except for some products such as China Merchants Bank installment), that is, multiple credit cards of the same bank cannot increase the total amount.
If you need a high amount, you can only apply for credit cards from several banks to make up for it.
However, frequent card handling in the short term will leave a record on the credit report of each application.
If the bank you apply for sees your application record many times in a short period of time, as above, it also doubts whether there is something wrong with your financial situation and you need money badly, so you will be downgraded and downgraded. If you can approve 50,000 pounds, you may only get10,000 pounds.
Serious banks, such as China Everbright, apply for other banks' credit cards too many times in a short period of time and will directly refuse to sign their credit cards.
So in the short term, it is a waste of time to apply for more credit cards to pile up high quotas.
It is generally recommended that the frequency of card use is 1-2 times a month, and no more than 8 times in half a year.
(Refer to Baidu Encyclopedia for the above information)