Credit cards can be applied for by card, but currently only four banks, Guangfa, Bank of China, Shanghai Pudong Development Bank and Ping An, support card application.

Several requirements for applying for a credit card:

1. Already have a credit card from another bank?

First of all, we need to have a credit card from another bank. A credit card is the stepping stone for us to apply for a new card. Only with this card can we apply for it as needed.

2. The credit limit of the credit cards you hold is greater than 5,000.

The average credit limit of the credit cards you hold should not be less than 5,000 yuan. Why is this? Generally, your credit limit is larger than There are several main reasons for this: poor personal credit, limited repayment ability, and incomplete application materials. Banks will only give you a small credit limit if they think you are a greater risk. In order to avoid risks, other banks are certainly unwilling to approve credit cards for you.

3. Good personal credit record

For cardholders who apply for card application, generally you need to use the original credit card for more than 6 months to meet the requirements of card application. Card conditions. And during your period of use, your account will have no bad records such as expected or malicious overdrafts.