1. Holding another bank's credit card for more than 6 months;

2. The credit card has no bad record and good credit;

3. The average credit line is not less than 5,000 yuan; If you have more than three credit cards from other banks, and the amount used exceeds 90%, banks generally will not handle them.

Commercial banks, such as China Merchants, Minsheng, CITIC, Huaxia, etc. , using the card as a prerequisite for holding another bank's credit card for more than half a year. It depends on whether your personality matches or not.