After the credit card application fails, the information submitted in the bank is unknown to other banks. After the applicant's credit card application fails, it is possible to apply again by perfecting his personal information.

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Extended information:

Precautions for applying for a credit card:

1. Don't handle too many cards. Too many cards may make you forget the repayment date of each card, or you may not know whether the number of pens swiped each year meets the number of times of annual fee exemption. Cardo is inconvenient to manage, and it is overdue if it is not careful. If you have too many credit cards, you can choose to cancel some cards.

2. Don't overdue, otherwise it will affect personal credit information. If you are only overdue for one or two days, and there is still a remedy, the bank has a tolerance service. Call the bank's customer service phone to explain that you need to repay the loan late, which generally does not affect the credit investigation. If it is overdue for a long time, it will produce a credit stain, which will affect the application for mortgage and car loan in the future.

3. Don't deposit money into a credit card or withdraw money from it! Even if money is deposited in it, except for some special business cards or special regulations of the bank, it is necessary to "overpay the cash withdrawal fee" to withdraw money. The withdrawal fee is .5%-3%, which is very high.

4. Don't use the minimum repayment. Try to repay in full every month. Except for ICBC, most banks do not repay in full, and the repaid amount no longer enjoys the interest-free period. Instead, the interest is calculated according to the time from the trading day to the actual repayment date.

5. Don't handle installment casually, including installment shopping, bill installment, single installment, etc. Although installment business has no interest, it has a high handling fee, which is very high when converted into actual annual interest rate, so it is not recommended to handle it.

6. Make rational use of cash flow, swipe your card when you can spend money at ordinary times, fully enjoy the benefits of interest-free period, free up your cash, and make some short-term investment and wealth management to earn income.

7. Make rational use of the credit card bookkeeping function, always check your own consumption records and credit card bills, and adjust future expenditures according to the actual consumption situation, so as to increase revenue and reduce expenditure and make reasonable consumption.

Baidu encyclopedia-credit card