Can I get a credit card if I have one? Why not pass?

It has become the norm to use credit cards for spending, but the credit card amount is high or low, and the card types are rich and the rights and interests are different. Therefore, many people will want to do it again if they have credit cards. So, can I get a credit card if I have one? Why not pass it? Let's give you a brief introduction today and see what can be done.

can I get a credit card if I have one?

In general, a credit card already exists in the same bank, so it can be reissued. Many banks can hold multiple cards.

however, if you want to know clearly that no matter how many credit cards there are in the same bank, they are all entitled to the credit line, and the credit line for re-issuing cards may not be high, the key is that you can't guarantee to get the cards. Many people have failed to pass the bank's audit when they have their credit cards.

why not pass?

In fact, many people have encountered this situation. Here, we can only say that it is not certain that they will pass if they apply for a credit card again. Every time the same bank applies for a credit card, it needs to be re-examined. For example, if it is refused to apply for a new card, there are generally several reasons:

1. The comprehensive score is insufficient: 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 bank's minimum debt ratio and repayment ability. 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 it is too expensive to collect credit information.

2. Wrong card level: the credit card level also affects the approval to a certain extent. Credit cards in 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, if the current qualification only meets the requirements of ordinary credit cards, but you apply for a high-end card, even if the previous credit card is used well, it will be rejected because the qualification is not up to standard.

3. There are too many credit cards: every bank has set an upper limit on the number of cards it can handle. If the number exceeds, it will not be allowed to handle any more. For example, Bank of Communications can only handle 9 credit cards at most. If it exceeds, it needs to cancel one of them before trying to apply. Whether the cards can be approved or not is subject to the system approval results.

The above is the introduction of "Can I still apply for a credit card with a credit card?" I hope it will help you.

I have an ABC credit card and want to apply for another one.

Credit cards can be divided into quasi-credit cards and credit cards. Jinsui Credit Card refers to a credit payment tool issued by our bank, which gives cardholders a certain credit limit, within which they can spend first and then repay, and enjoy an interest-free period for a certain period of time, with the functions of consumer credit, cash advance and so on. At present, our bank has many channels to apply, one is online application, and the other is network application. 1. Apply online directly to official website to fill in personal information, and select the corresponding card receiving outlets. The specific card receiving rules shall be subject to the outlets. 2. You can bring your ID card, proof of income and proof of assets to our outlets to apply. If you are a foreign household, you need to provide a residence permit. The specific conditions for applying for a card are subject to the requirements of local outlets. Credit card application conditions: the cardholder who applies for a personal credit card master card must meet the following application conditions: (1) A natural person who has reached the age of 18 and has full civil capacity. (2) It has a good credit record and complies with the relevant regulations of the Bank on credit card credit management. (3) having lawful, sufficient and stable income or assets. (4) Having a fixed residence, a stable job or a stable business place in China. (5) If credit is granted according to the application score, the application score must meet the minimum requirements of the Bank. Individuals who have reached the age of 14 may apply for a supplementary credit card from Agricultural Bank of China with the consent of the main cardholder. For details, please consult our Credit Card Center: 46695599 Different card types can apply for multiple credit cards.

I already have a credit card. Can I apply for another one?

Sure, and you already have a credit card, which will be more convenient. You can directly "use the card to do the card". First of all, you need to have a credit card from another bank. This credit card is the stepping stone to apply for a new card. Only with this card can you apply for a new card as needed. Then your previous card needs to be used for more than 6 months, and there are no bad records such as expectation and malicious overdraft during this period. Then it will be easier to apply for a new card, and other supporting materials are similar.

if your two credit cards belong to the same bank, you will share a line, and the lines of your two bank cards will be shared. If you want to increase the quota before applying for a new bank card, it is recommended that you don't apply for a credit card from the same bank. Otherwise, multiple credit cards of the same bank will have a fixed quota, and the purpose of increasing the quota cannot be achieved. You'd better apply for one from another bank.

I already have a credit card. What should I do if I want to apply for another credit card?

Hello, the cardholder can apply for the master card again through the following channels:

1. Online card application: in the column of "Applying for a Credit Card", the credit card marked with "Express" can be directly applied online without mailing the application form.

if the application doesn't carry the "quick" card type, you need to print the application form according to the online application steps, sign it and mail it.

2. To apply for a card at our business outlets: Please fill in the application form at the outlets, and you don't need to provide work certificates and identification documents again.

I have a credit card. How can I apply for a second one? Is it easy to get a second credit card?

Many banks have introduced a variety of credit cards, each with its own characteristics, which makes many cardholders want to do another one. Many people who want to apply for two cards in the same bank are often more concerned about these two issues: how to apply for a second credit card if you have one? Is it easy to get a second credit card? Let's briefly introduce it today.

I have a credit card. How can I apply for a second one?

In general, the application method for the second card is the same as that for the first card. You can go to the counter of the bank outlet to apply for the card, or you can do it through the bank's official website channel, such as WeChat WeChat official account and mobile banking. Be careful not to click on the card-doing link of an unknown third-party platform at will to avoid encountering phishing websites.

Applying for a second credit card has some advantages over applying for the first credit card. For example, you don't have to go to the bank for a face-to-face interview when you apply online. After approving the card, the bank will send the card directly to the receiving address, and you can activate it directly when you get it. In addition, the approval time will be shortened, which takes less time than the first card, and the results will be obtained in a few minutes on the same day at the earliest.

is it easy to get a second credit card?

No matter how many credit cards are applied for in the same bank, each application will be re-approved by the bank, and the applicants will be graded according to their current qualifications. Only when the score reaches the standard can they pass, otherwise they will be rejected. So it's not that it's easy to get a second credit card, but relatively speaking, if the first card is used well, it's beneficial to apply for a second card.

As for whether it can be done or not, it should be based on the bank's approval results. It is suggested that the applicant should maintain a good credit, not easily overdue, and the reasonable debt should not exceed 5% of the monthly income. It is also necessary to choose the appropriate card type, which will help improve the pass rate of card processing.

The above is the introduction of "How to apply for a second credit card if you have one", and I hope it will help you.

I have a credit card from China Merchants Bank. What should I do if I get another one?

No problem. One person can apply for multiple credit cards in the same bank (there is no limit on the number of credit cards). However, it should be noted that the credit lines of multiple credit cards applied for in the same bank are the same, which will not be increased because of one more card. If you want to do it, you can apply as long as you meet the bank regulations, and because you have already done one, it is easy to approve a new card. The general requirements are as follows:

Age requirements: the age is between 18 and 65;

income and job requirements: have a stable occupation and income;

credit and repayment requirements: good credit and ability to repay and pay interest on time;

qualification requirements: full capacity for civil conduct;

requirements of application materials: provide the originals of various certificates.

let's stop here for the introduction of how to apply for a credit card.