If you have high debt and want to apply for a credit card, you will naturally choose a bank with low threshold. Of course, each bank's comprehensive evaluation of users will be different, and the application results will also be different. Some banks set a limit on the debt ratio that cannot exceed 70, some set a limit of 50, or 30.

However, when debt is high, users can take some remedial measures themselves first. For example, cancel infrequently used credit cards with relatively small limits, reduce your debt ratio, improve your information, and provide proof that you have the ability to repay, such as real estate certificates, vehicle registration certificates, etc., or that you usually have Apply to the bank where you do business, this will increase the chance of getting the card.

In general, high debt does not mean that you cannot apply for a credit card. It requires users to make preparations in advance. Screen suitable banks, reduce your own liabilities and provide value-added information. Finally, the user’s credit information cannot be ignored and must be maintained well. Otherwise, if your credit report is bad, even if your debt is reduced, you are still likely to be rejected by the bank.