Negotiation of repayment succeeded. There is a provision in the agreement that the cardholder can't apply for a credit card before the negotiation of repayment is completed. Is it in compliance with laws and regulations? This provision is controversial, because it is forbidden for consumers to apply for credit cards in the process of negotiating repayment, which may be considered by some as an unreasonable restriction on consumers' rights and interests, but in some cases this restriction is legal.

First of all, credit cards belong to banking business, and banks need to evaluate the applicant's credit when lending money. If the cardholder fails to repay the loan on time during the negotiation, the bank may think that the cardholder's credit status is poor, so prohibiting the cardholder from applying for a credit card during this period may be a measure for the bank to protect its own risks. In addition, banks also need to comply with the relevant provisions of laws and regulations when restricting cardholders from applying for credit cards. Under the premise of complying with laws and regulations, this provision can be reasonably implemented.

However, consumers also have the right to ask banks not to use other banking services during the negotiation repayment period, because negotiation repayment is the result of negotiation between the two parties, and banks cannot force consumers to use other services without the consent of consumers. In addition, some areas also have relevant laws and regulations that clearly stipulate this.

Therefore, you can first check whether the mandatory terms of the agreement exist and evaluate whether the terms are legal in combination with relevant regional laws and regulations. If this regulation violates laws and regulations or harms the interests of cardholders, it is suggested that you can complain to the relevant departments.