Applying for a card by card means applying for a credit card from another bank with your own credit card that is currently in use. This method does not require the submission of various cumbersome certificates and only requires a credit card. .

Although the threshold for applying for a card is low, there are also several requirements for cardholders:

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 our stepping stone to apply for a new card. Only with this card can we apply as needed.

2. The credit limit of your existing credit cards is greater than 5,000 yuan.

The average credit limit of your credit cards should not be less than 5,000 yuan. Why is this? Generally, your credit limit There are several main reasons for being smaller: 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 for card application. Card conditions. And during your period of use, your account will have no bad records such as expected or malicious overdrafts.