At present, there are more and more kinds of equity co-branded cards launched by banks. Many people do a lot of cards, but seldom use them. At present, the phenomenon of multiple cards for one person is very common, and there are many people who handle cards. Similarly, there are many people who cancel their cards. Many guest officials prefer to cancel their credit cards because their amount is very low. Cai Xiao will explain the disadvantages of this for you.

Cancel the card due to low quota and refuse to re-apply;

Mr. Chen has a bank of communications credit card, which is quite simple to handle. When he got it, he saw the quota: 2000 yuan! In anger, he called the customer service center of Bank of Communications to cancel the card.

Four months later, he is going to apply for the same credit card again. Results Online application, counter application and WeChat application were all rejected without exception!

He doesn't know. It was easy when I got the last card. My present conditions are no different from those before. Why is it so difficult to apply now?

Cai Xiao suggested that after the cancellation of the same ID card, most banks need six months to apply for a new credit card. Moreover, if they have had the experience of returning their cards before, the refusal rate may be higher than other applicants, and the refusal rate is as high as 80%. Therefore, if the initial application amount of the bank card is relatively low, people will continue to use this card and use this credit card in the cycle mode of "deposit-credit card-deposit-credit card".