Hello poster, I have understood your question. It is about China Merchants Bank credit card. Let me help you answer it!

Actually, I am just like you, because whenever I see some credit cards with beautiful card faces, I like them very much. After using credit cards for 3 or 4 years, I now hold more than 30 China Merchants Bank credit cards (don’t Laugh at me, it’s just a collection, I didn’t open the card after applying, I canceled it directly), including Astro Boy, Doraemon, Tom and Jerry, QQ, Sina Weibo, Crayon Shin-chan and many other cards. I recently applied for a Pirate Card and it has been approved.

Okay, back to the topic, first answer the first question, I already have a card, can I still apply for another card? I have told you above that I already hold more than 30 credit cards, so the answer is that one person can apply for multiple credit cards. However, some cards have production costs. Please ask customer service for details in advance, but Pirates does not.

Second question, if the Pirates Card is approved, the card number must be brand new. Although the cards are all in your name, one person can use multiple cards at the same time without canceling the old card first. , and then apply for or open a Pirate Card. You can keep both cards open at the same time and both can spend normally.

The third question is that there is no need to transfer the credit limit. Although the old and new cards in your name can be used separately at the same time, there is only one account, and the credit limit of the two cards is shared. For example: For example, if your limit is 10,000, and you now have two cards, the limit of 10,000 is not 10,000 for each of the two cards, nor 5,000 for each. It is calculated like this: When you have no debt, Both Card A and Card B can use your limit separately (take the 10,000 limit as an example), and both can use 10,000. But if card A already has a debt, for example, the debt is 5,000, then card B can only use the remaining limit of yours, which can only be 5,000. In short, the total amount of money that can be used by the two cards is exactly your credit card The total amount. In terms of repayment, there is no need to deliberately keep the money in the cards with outstanding balances. As long as there is enough money, it does not matter which card you repay (this is only for China Merchants Bank credit cards, not other bank credit cards. Each bank has different regulations. Most banks need to pay back the money to the card you owe the money to, such as Industrial Bank, Guangfa, CITIC, and Communications. If there is a debt on card A, it will be If the money is returned to card B, such repayment will be considered invalid, equivalent to failure to repay, and will affect personal creditworthiness. However, China Merchants Bank does not care. You can pay it back to any card. For details, please consult the customer service of the bank where you hold the credit card)

I have said so much above, I don’t know if the poster understands it. If there is anything else you don’t understand, you can ask me. These are purely original hand-made, thank you

Friendly reminder:. The above answer only applies to China Merchants Bank credit cards, because the regulations of each bank are different!