Yes, the same person can apply for multiple credit cards in the bank with his ID card. After all, for banks, the more credit card holders, the better, in order to increase business volume; At the same time, cardholders can use multiple credit cards flexibly.

In the case that the same bank holds multiple credit cards at the same time, the credit lines of multiple credit cards are the same. Generally, credit cards with low credit lines enjoy the available credit lines of credit cards with high credit lines.

For example, Miss Wang holds three credit cards of a bank with a credit limit of 30,000 yuan, so these three credit cards share a credit limit of 30,000 yuan. When she used one card to overdraw 4000 yuan, the other two cards could only overdraw 26000 yuan.

There is no need to apply for more credit cards.

1. Having multiple credit cards from the same bank does not increase the credit limit. In most bank accounts, multiple credit cards are shared, with the card with the highest amount as the standard. Unless your credit card limit is too low, you want to withdraw extra money through the curve of two cards and three cards. If the withdrawal is successful, it is best to cancel the card with too low limit.

2. Having multiple credit cards of the same bank is convenient for collecting credit information. In the past, many card friends said that ICBC Carter Pit reported nine accounts in the letter when they set up a card. Understandably, if they apply for multiple cards, it is estimated that the account number reported in the letter is relatively long, so it is easy to get credit information, but it also depends on the situation.

3. Having multiple credit cards from the same bank makes repayment inconvenient. If it is a bank with merged accounts, then multiple credit cards only need one card to repay. If the account is independent and the bill is independent, each card needs to be repaid separately, which is very troublesome. If the repayment date is confused, it is easy to overdue the wrong credit card.

In addition, the annual fee for each credit card in the same bank should be calculated separately. Therefore, according to the above analysis, there is actually no need to handle multiple credit cards in one bank. It is better for everyone to apply for a card according to their own needs.

Can I get two credit cards from the same bank?

You can handle two credit cards in the same bank, but the quota is shared.

For example, the credit line is 20,000 yuan. If the first card is used to spend 654.38+00,000 yuan, the overdraft limit of the other card will be reduced to 654.38+00,000 yuan. If the first card overdraws 5000 yuan, then the overdraft limit of the other card is 15000 yuan.

Therefore, if your purpose is to increase the credit limit, there is absolutely no need to apply for two credit cards in the same bank. You can get another one in another bank, so the total amount will be more. "

Extended data:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and social demand.

Can I get two credit cards in the same bank?

The same bank can handle two credit cards. There is no restriction on handling credit cards in the same bank. You can handle two credit cards. However, although banks have restrictions on the number of specific cards, it should be noted that the credit card limit of the same bank is shared.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

So much for the introduction of how to handle multiple credit cards in one bank.