; When applying for a credit card and being rejected, many cardholders will think of "insufficient overall score", but little do they know that there is another complaint called "the credit granted by other banks is too high", and this situation occurs when you have held many credit cards. Most common among credit card groups. So, what does it mean that the credit granted by the general manager of another bank is too high? Is there any way to crack it? Let’s find out together below.

What is the total credit limit that is too high? This total credit limit is too high. It is not the total credit limit given by the central bank, but the amount that each bank makes a general judgment on your solvency based on the applicant’s asset status, credit status and other factors. The total credit limit for each person is within It's about 500,000. Generally, if it exceeds this limit, the total credit limit is too high. In short, the purpose is to control risks and avoid bad debts.

Generally, the total credit limit is too high, which is reflected in several aspects: 1. Too many card-holding banks: the specific number is called too much, and different banks have different regulations. Generally speaking, more than 8 lines are enough. 2. The total credit card limit is too high: The specific amount is too high, which varies from person to person. For example, if your annual income is only 50,000 yuan, but your total credit card limit is 50,000 yuan, then the total credit limit is definitely too high.

Of course, if the total credit limit is too high, it can also be cracked: 1. Cancellation of cards: It is said to be the most targeted method. It is to reduce the total credit limit by canceling credit cards from other banks. It is best not to cancel cards indiscriminately. It’s better to sell cards with too low limits and weak benefits. 2. Reduce the debt ratio: If the credit card debt is relatively high, repay part of it first if you have money on hand, and reduce the debt ratio through repayment. Or you can apply for installments and average the total debt into each month, which can also reduce the debt ratio. However, this depends on the bank. Some banks will record all your credit card debts. 2. Reduce the credit limit: In addition to applying for a credit card limit, you can also apply for a credit limit reduction, such as China Merchants Bank. You can reduce the total credit limit by reducing the credit card limit you already hold, and then apply for a credit card. Wait until the application is completed before applying to the bank for an increase. However, whether it can be withdrawn is still a question and there are certain risks.

So, how to apply for a credit card after reducing the total credit limit? 1. You can establish business relationships with banks before applying for a card, such as Ping An Bank. You can purchase Ping An Bank Insurance before applying for a card, or invest in Ping An's financial platforms, such as Lufax, etc.; or use the bank card you want to apply for as Salary card etc. 2. When applying, you can apply online or at an outlet. No matter which application method is used, you must work hard to fill in the application form, especially in terms of annual income. After all, annual income will have an impact on the total credit. The higher the income, the higher the total credit. In addition to salary, the annual income must also be filled in various subsidies, especially the year-end bonus. Don't miss it. The above is the relevant introduction of "The credit card application from other banks is too high and the card application is rejected". I hope it will be helpful to everyone. However, I would like to remind you that credit cards are more sophisticated than others. The main thing is whether they can meet your needs. Don't blindly pursue high limits. It is recommended to choose a credit card that suits you.