What are the restrictions on applying for a credit card?

1. Age limit: The age limit for applying for a card in many banks is generally 18-60 years old, but some credit cards have special restrictions. For example, each bank issues a youth card. For example, China Merchants Bank’s young card only applies to those under 30 years old. Only customers can apply. Applicants for Bank of Communications' Y-power card must be between 18 and 35 years old, etc.

2. Gender restrictions: Many banks have launched women-only credit cards. Only women can apply for them, but men cannot, such as Minsheng Bank Female Flower Card, China Merchants ELLE Co-branded Credit Card, ICBC Guangming Card, and Guangfa Co-branded Card. Credit card, ICBC Guangming Card, etc.

3. Occupation restrictions: To apply for a credit card, you need to have income, but banks also have requirements for this industry. Generally, you need to have a stable occupation, not a high-risk occupation. If you work like an insurance salesman, mobile vendor, or entertainment venue Personnel, security guards, front-line operators, workshop workers, etc., if they want to apply for a credit card, they cannot be in high-risk occupations.

4. Income restrictions: Generally, the income must not be lower than the local average income level, and the basic need is more than 3,000 yuan. Some banks will also stipulate that it must be after-tax income, and some banks are not so strict. It is best to check with your bank before applying for a card.

5. Credit restrictions: two aspects, one is the limit on the total amount of credit, the total credit before applying for a card cannot be too high, otherwise the repayment ability will be questioned and the card will be rejected; the other is the credit institution, which usually has Credit cards from 5 banks, and then apply for credit cards from other banks.

6. Limit on the number of cards: Some banks can apply for multiple credit cards, and some banks have restrictions on the number of cards. Like transportation, you can only apply for a maximum of 9 cards. The maximum number of cards issued by China Everbright Bank is only It can apply for 40 cards, and the number of valid cards cannot exceed 5. If you want to apply for more cards than the number of cards, you need to cancel it first.