How to apply for a credit card using a credit card? These are the banks that support card application

Nowadays, credit cards have become a necessity in people’s lives. Basically everyone has a credit card, and many people have more than one credit card. And many people have more than one credit card. If you apply for a credit card after getting a credit card, you will choose to apply for a card by card. So how to apply for a credit card using a credit card? What are the banks that support card application?

How to apply for a credit card using a credit card?

The process of applying for a credit card is relatively simple, but it also needs to meet certain conditions. Generally, applicants are required to use the existing credit card for more than 6 months and have no bad uses to repay the card. Record, only when this condition is met can you apply for another credit card at another bank.

However, some banks only require the card to be used for 3 months before you can apply for a card. Of course, some require the card to be held for a year, and some will have a certain limit on the previous credit card. Require. Different banks have different standards. It should also be noted that if you already hold more than three credit cards and use more than 90% of the credit limit, basically the card application method will not be successful.

Inventory of banks that support credit card application

Banks that support credit card application include Bank of Communications, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, China Merchants Bank, Bank of China, Guangfa Bank, Shanghai Pudong Development Bank, China Everbright Bank, Industrial Bank, Minsheng Bank, Ping An Bank, etc. However, CITIC Bank does not support card application.

You can apply for a credit card by card. Friends who meet the conditions can bring their existing credit card and your ID card, as well as work certification documents. You can also prepare some financial proof documents to go to the bank to apply. As long as If you meet the conditions and have no bad credit record, you can basically apply successfully.

How to apply for a card by card

To apply for a card by card, you can apply online or go to the counter.

Generally, when applying for a card-based business, the cardholder can use the original credit card as proof of financial resources and the original ID card, so that he or she can apply for a new credit card at another bank. Some banks will require you to submit a copy of your ID card, a copy of your credit card, proof of financial resources and other relevant information when applying for a card. Cardholders generally need to use the original credit card for more than 6 months before they can apply for card-based card processing at another bank.

Extended information:

Credit card application conditions

①domestic residents (please provide ID number): aged 18 to 60 years old;

②Have a stable career and income, good credit and the ability to repay on time

Application materials

1. Proof of identity: usually an ID card (if you are using a new version of the identity card) Certificate, a copy of the front and back is required), and military personnel need to provide a copy of the military certificate;

2. Work certificate: It can be the original work certificate issued by the unit where you are employed (please indicate the specific company name, department, and position) and income status, and stamped with the company's official seal or personnel seal), or a copy of the original and marked work permit/plate that has been verified by the promoter;

3. Proof of financial resources: it can be a salary record issued by a bank. , or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other materials that can prove the level of financial resources.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

If you are a self-employed individual, you can provide your individual business license and tax bills for the past three months, and you can also provide other proof of your financial resources: income tax withholding certificate; copy of your own property certificate; your own car A copy of your driving license; bank deposit certificate and other documents that can prove your financial level.

Data source: Baidu Encyclopedia - China Merchants Bank Credit Card

What should I pay attention to when applying for a credit card?

Under normal circumstances, when applying for a card business, the cardholder can use the original credit card as proof of financial resources and the original ID card. In this way, on the basis of the original cardholder holding the card, he can use the card at another store. The bank applies for another credit card. For some banks, if you want to apply for a card by card, they may also require you to submit a copy of your ID card, a copy of your credit card, proof of financial resources and other relevant information.

Note:

No credit card from other banks has been overdue for more than 30 days in the past 6 months;

The average credit limit is not less than 5,000 yuan; if you have If you have more than 3 credit cards from other banks and use more than 90% of the limit, banks will generally not process it.

Extended information:

If you are a first-time applicant, the credit card application materials are divided into necessary information and auxiliary information: the necessary information is the information you must provide when applying for the bank's credit card , and the auxiliary information helps you improve your approval rate and credit limit.

Identification information: a copy of your resident ID card or military officer's ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the mainland travel pass and proof of residence for more than one year; if you are a foreigner, you need to provide your passport And a copy of the residence permit for more than one year is sufficient.

Proof of employment and income: Choose from salary certificate or business card and badge with photo.

This is the end of the introduction on how to apply for a credit card and how to apply for a credit card. I wonder if you have found the information you need?