Credit cards from different banks are generally acceptable. Even if the credit card is in arrears, as long as the customer has no bad record in the bank, he can continue to apply for a credit card in another bank.

Matters needing attention in applying for a credit card:

Customers must not have bad credit records in the bank; People with high debt ratio who apply for state-owned bank credit cards will generally be rejected. Even if the card is issued, the amount will not be very high. (Cardholders who pursue the quota can reduce their debts first and then apply, so the quota will be much higher. I suggest that you can apply for a credit card from the local bank. Compared with state-owned banks, local banks are more tolerant of debt, and as long as the debt does not exceed 70%, they can generally approve cards.

2. Cancel the extra credit card. Generally, the number of cards held is no more than five, while some friends who play cards may hold dozens or even hundreds of credit cards. According to the regulations of the regulatory authorities, when issuing credit cards, banks need to consider the total amount of loans of applicants to avoid excessive credit granting. There are too many cards in the personal credit report, which will make the bank think that your actual economic ability does not match your repayment ability, and there is a certain repayment risk. Remember to cancel some unused credit cards appropriately and control the total amount of loans and credit cards within a reasonable range. 3. Provide proof of financial resources. For banks, high debt ratio means that applicants have low repayment ability. In order to avoid not paying back the money at maturity, ordinary banks will not issue cards to such people. If the applicant's debt is too high, he can provide effective financial proof to the bank, such as real estate, vehicles, wages and other information to prove his repayment ability, which can also improve the success rate of issuing cards.