Yes, banks already have this business, but banks have to review their qualifications when handling credit cards. Some banks are still very strict in auditing. You can try. As long as your information is not too bad, I can generally do it for you, but the type and amount may be different. You can go to more banks to apply for credit cards, which has a high success rate.

positive results

The first is the resource integration effect. Although the five city commercial banks in Hubei Province are small in scale, each bank has more than 20 internal management departments. Merging five city commercial banks into one and reorganizing the management talents and management expenses of the head office will have obvious intensive effect.

The second is the scale economy effect. Bank IT system is the foundation of banking business and a platform for product innovation. The strength of IT system will directly determine the competitiveness of a bank. After the reform and reorganization, the five city commercial banks will be able to develop and build IT systems in a unified way, solve the problem that a single city commercial bank cannot bear the high IT investment cost, build its own core competitiveness, and narrow the gap with advanced banks.

The third is the famous brand effect. Compared with the original five small banks, the newly established and merged Hubei Bank will greatly improve its social image and public recognition, which is conducive to introducing more high-quality shareholders, attracting more bank management professionals and winning more customers. The fourth is the asset appreciation effect. Due to the small scale and limited development space, five city commercial banks in Hubei Province generally introduce new shareholders at the price of net assets per share, which is in sharp contrast to the city commercial banks with large assets issuing at the price of about 2 times or even higher net assets per share. When five banks merge into one, Hubei Bank will have a brand, the issue price will be higher, and the bank's capital strength will increase rapidly.

The fifth is the economic support effect. On the basis of five banks, the newly merged Hubei Bank will quickly cover six other cities (Shiyan, Jingmen, Ezhou, Huanggang, Suizhou and Enshi Tujia and Miao Autonomous Prefecture) and all counties in the province, and set up branches in economically developed cities across the country. With reference to the average annual growth rate of Jiangsu Bank of China of 50%, it is estimated that in the next two years, the asset scale will reach about 40 billion yuan and the profit will reach more than 600 million yuan, which can provide greater financial support for the economic growth of the provincial party committee and the provincial government and the implementation of the strategic deployment of industrial restructuring.

By the end of 2011May, the total assets of Hubei Bank reached 43.59 billion yuan, and the balance of various loans was 25.498 billion yuan, ranking second among the small and medium-sized banks in the province in terms of loan balance growth rate.