Yes, you can apply for two credit cards in the same bank. Generally, there is no limit to the number of times you can apply for a credit card in the same bank, but the credit card quota will be shared and the annual fee will be calculated separately.

Conditions for applying for a credit card:

Citizens 1 one year old and 18 years old or older have full capacity for civil conduct.

2. Have a stable occupation and income source.

3. Have good credit and the ability to repay the principal and interest on time;

Extended data:

Credit line sharing means that credit cards of the same bank and brand share the same credit line (generally the highest credit line for one card). Although several cards have their own credit limits, the total overdraft in use cannot exceed the shared credit limit of the brand credit card.

For example, if you hold five credit cards from a bank with a credit line of 10000 yuan, then these five credit cards share the credit line of 10000 yuan. When you overdraw 2000 yuan with one card, you can also overdraw 8000 yuan with the other four cards.

Credit card type:

1. According to different card issuers, it can be divided into bank cards and non-bank cards.

2. According to different card issuers, it can be divided into corporate cards and personal cards.

3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards.

References:

Baidu encyclopedia-share quota

Baidu encyclopedia-credit card

Can a bank apply for two credit cards?

A bank can handle two credit cards. Generally, it is easier to apply for a second credit card after the first credit card is processed in the same bank. However, the credit card quota handled in the same bank is shared.

Apply for two credit cards from a bank at the same time.

You can apply for two credit cards from a bank at the same time. At present, it is not stipulated that the same bank can handle multiple credit cards, and the same bank can apply for multiple credit cards, but the credit limit is shared, that is, the credit card with the highest limit is the highest limit.

1. Don't ignore the annual fee for holding multiple credit cards: Generally, credit cards have an annual fee, but you can avoid the annual fee if you swipe your card for a certain number of times or a certain amount. You need to pay attention to this problem when holding multiple credit cards. Each card must be swiped enough times or a certain amount to avoid the annual fee.

2. Holding multiple credit cards does not necessarily increase the credit limit: holding multiple credit cards in the same bank does not increase the credit limit, but several credit cards will share the credit limit. Only when multiple credit cards belong to different issuing banks will the total amount of credit cards increase.

3. Holding multiple credit cards is not enough or the number of credit cards is reduced: a person's monthly consumption level is limited, and the number and amount of credit cards are also limited. If you apply for more than one credit card, you can't swipe your card often. If the frequency of swiping cards is too low, the issuing bank may reduce the credit card limit.

credit card

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 in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) 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.

Can I get two credit cards from the bank?

The same bank can handle two credit cards. And with this bank's credit card, it will be easier to get a new credit card. However, it should be noted that the credit card quotas handled by the same bank are shared, that is, when one of the credit cards is used for consumption, the quotas of other credit cards will also be reduced. Therefore, even if you apply for two credit cards, the total amount will not change.

1. Why do I have two credit cards?

1. This situation is a set of card applications. Although two credit cards were given, the card organizations were different. Usually 1 UnionPay credit card is matched with VISA card or MasterCard. Banks do this to make it easier for people to use their cards. Since the cancellation of multi-currency credit cards, many people have to apply for a VISA/MasterCard separately if they have overseas needs.

You don't have to bother to apply for a set of cards. An application can handle two different organizations' cards, UnionPay cards for domestic consumption and foreign currency cards for foreign consumption. The card rights and benefits of different organizations are different. However, although the bank gave two cards, not everyone has to activate them, mainly depending on their own needs. If there is overseas demand, both cards can be activated. If you only swipe your card frequently in China, the foreign currency card can be temporarily suspended.

3. Some friends will worry that both cards are activated, but foreign currency cards will generate annual fees if they are not commonly used. In fact, although many sets of cards have different card organizations, they generally only charge an annual fee for UnionPay cards, and foreign currency cards are exempt from annual fees during the validity period. Of course, if you think that the foreign currency card is really useless and you are afraid of the risk of swiping it, you can cancel the card. There are two ways to cancel. You can call the issuing bank directly to cancel, or you can go to the bank branch counter to cancel yourself. Generally, from the date of cancellation, the cancellation is successful on the 46th day, and there is no balance and no debt.

Second, the principle of credit card cancellation

1. Although it is the same bank, the credit card quota is different, so when canceling the credit card, the card with low quota should be preferred.

2. Different grades of credit cards enjoy different rights and interests. Generally, other high-end cards such as platinum cards enjoy the most rights and interests. Therefore, when the credit card is cancelled, the credit card with limited rights is also among the cancellation card options.

3. For most of my friends, I hope that the credit card can raise the amount, but it may often backfire, and the credit card will not raise the amount for a long time. For credit cards that never mention the amount, friends can also consider whether it is necessary to cancel them.

4. For credit cards with overdue repayment records in recent two years, cancellation is still not recommended. Because for credit cards with overdue records recently, if they are directly cancelled after paying off debts, the current overdue records will be recorded in personal credit information, which will have a negative impact on the application of other bank loan businesses. Only by covering the previous bad records with good credit card records in the future can the impact be minimized.

Can I get two credit cards from 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.

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

Can I get two credit cards in the same bank?

You can handle two credit cards in the same bank. There is no bank limit on the specific number of cards, but it should be noted that the credit card quota of the same bank is shared. For example, two credit cards of the same bank will cost 5,000 yuan, and the amount of the other one will be reduced by 5,000 yuan; Therefore, it is completely unnecessary for the same bank to apply for two credit cards.

Note: The annual fees of two credit cards in the same bank should be calculated separately. If the annual fee for one card is 60 yuan, two cards will be 120 yuan; But they can all be reduced by the number of swipes.

If the applicant wants to increase the total amount of personal credit card through the number of cards, he can consider applying for another bank's credit card at this time. Many banks have card business, which is very convenient. In this way, the cumulative effect of the quota can be achieved and the total amount of ownership will be high.

In fact, handling too many credit cards will increase the difficulty of management. If the repayment date is chaotic, it will also cause overdue and bring a lot of trouble, such as penalty interest after overdue, which will be recorded in the credit report; Finally, I suggest that you don't apply for too many credit cards, as long as it can meet your daily consumption.

Can a bank handle two credit cards? Let's stop here.