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

2. The credit limit of the credit card you hold is greater than 5,000 yuan: the average credit limit of the credit card you hold should not be less than 5,000 yuan. Why is this? Generally, there are several main reasons why your credit limit is small: poor personal credit, limited repayment ability, and incomplete application information. 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 a card application, generally you need to use the original credit card for more than 6 months to meet the conditions for applying for a card. And during your period of use, your account will have no bad records such as expected or malicious overdrafts.