1. If you want to apply for a credit card with a credit card, the card-issuing bank will query the credit card consumption records of your personal information in all banks. It is required that there is no overdue repayment record for more than 30 days in the past six months to ensure that you have enough financial ability to bear the repayment pressure of multiple credit cards.
2. When applying for a card-based credit card business, the credit card limit applied for shall not be less than 5,000 yuan, and if you have more than three credit cards in another bank, and use If the limit exceeds 90%, the bank has the right to refuse to add a new credit card to you. On the one hand, it will reduce your stress; on the other hand, it will cause the bank to chase you for payment if you don’t repay it, which will be very troublesome.
3. For example, materials required at Hua Xia Bank:
General application: proof of identity; proof of employment (original); proof of income (original);
With Card application: proof of identity; photocopies of the front and back of credit cards used by other banks for more than nine months; the latest bill of credit cards from other banks (original).
Applying for a credit card:
First of all, if you repay your first credit card on time during this six months, then I can tell you that the credit you have accumulated in the past six months can help you apply for a credit card. Another new credit card
Secondly, I don’t think you can apply for another card at the same bank, right?
So when you go to another bank, you still have to prepare the information you used when applying for your first card. When we review your credit, we may update the computer based on your information six months later. Your personal information, such as phone number, work unit or address
Another suggestion for you: If you feel that the overdraft limit on your first card is not large, you can go to the bank where you applied for the card to check Upgrade your card and ask them if you can get an overdraft with a larger limit.