The reasons for applying for a credit card but having two cards may be:

1. The supplementary card option was checked when applying for a credit card

Nowadays, credit cards have their own Supplementary cards are usually prepared for the wife, children or parents of the main card holder. If you accidentally check the supplementary card option when applying for a credit card, you may have the main card and the main card when you get the card. Two supplementary cards. The supplementary card also has a limit. The supplementary card limit can be freely specified, but it cannot exceed the main card limit.

2. In order for bank staff to complete business

Many bank staff now have credit card marketing tasks, so they may give you an extra credit card when you apply for it, but The credit card limits are the same, and the limits of the two cards are also shared, so it doesn't matter which credit card you use.

If it is not for the above reasons, it is best to consult the customer service of the bank where you apply for a credit card, or go directly to the counter where you apply for a credit card.

Credit card application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can issue cards to Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.