Debt ratio is the main reason why many cardholders cannot get credit cards. They already hold multiple credit cards. The bank thinks that if you apply for another card, the financial ability is unbearable and there is a risk of overdue. So, does every bank look at the debt ratio when applying for a credit card? Which bank does not look at the debt ratio when handling cards?

Some card friends ask for help: now there are seven or eight cards, and the debt ratio is high. The applications of CCB, China Everbright and Citigroup were rejected because there was no credit information.

Then, for friends who already hold multiple credit cards and have high debt ratio, which bank is easier to apply for a credit card?

Shanghai Pudong Development Bank, Shanghai Bank, Industrial and Commercial Bank of China, Bank of China, Bank of Beijing and Minsheng Bank all don't mind that Cardo has more debts. Other banks are more concerned about the debt ratio of customers who apply for credit cards and are easy to refuse.

In particular, the audit system of Minsheng Bank is self-contained, which is very different from other banks, so he doesn't look at the liabilities of other banks whether he applies for a card or increases the quota. However, due to the unique credit card review system of Minsheng Bank, you may have a good credit in other banks, but you will refuse to apply for Minsheng Credit Card.