Now it has become the norm to spend by credit card, but the credit card amount is high or low, the card types are rich, and the rights and interests are different. Because of this, many people will want to do it again when they have a credit card. Then, if I have a credit card, can I get one? Why not pass? Let me give you a brief introduction today and see what you can do.

If I have a credit card, can I get one?

Under normal circumstances, you already have a credit card from the same bank, and you can do it again. Many banks can handle multiple cards.

However, it should be clear that no matter how many credit cards there are in the same bank, the credit line is shared, and the credit line of reissued cards is not necessarily high. The point is that you can't guarantee the card. Many people have credit cards and failed to pass the bank's audit.

Why not pass?

In fact, many people have encountered this situation. It can only be said that credit card reapplication may not pass. Banks need to re-examine every time they apply for a credit card. For example, there are several reasons why a new application is rejected:

1, insufficient comprehensive score: there are two key points. One is that the repayment ability is not good, and the work may be relatively stable, but the overall debt ratio is too high, exceeding the bottom line of the bank's debt ratio, and the repayment ability is not optimistic, and there is a risk of overdue at any time; One is bad credit, such as having three tired and six black households, or applying for credit cards or loans many times in a short period of time, and the cost of credit investigation is too high.

2. Wrong card level: The credit card level also affects the approval to some extent. Credit cards of various banks can be roughly divided into ordinary credit cards and high-end credit cards, among which high-end credit cards pay more attention to the applicant's assets and economic strength. For example, the current qualification only meets the requirements of ordinary credit cards, but applying for high-end cards, even if the previous credit cards are used very well, will be rejected because the qualifications are not up to standard.

3. Too many credit cards: Each bank has set a maximum number of credit cards that can be handled. If the limit is exceeded, no further processing is allowed. For example, Bank of Communications can only handle 9 credit cards at most. If it exceeds the limit, it needs to cancel one of them before trying to apply it. Whether the card can be approved depends on the approval result of the system.

The above is "Can I still apply for a credit card with a credit card?" I hope it will help everyone.