As long as you comply with the bank's regulations and have a credit card application record, you can continue to apply.

Conditions for applying for a credit card:

Application location:

1. Local bank branch;

2. Bank credit card center staff;

3. Some banks (industrial and commercial construction, etc.) support application through online banking.

Application conditions:

1. A person who is over 18 years old and has full capacity for conduct;

2. Have stable repayment ability.

Submit proof:

1. ID card (required);

2. Proof of employment or income;

3. Yourself Proof of property, vehicles and other assets in your name;

4. Social security card;

5. Other bank credit cards, etc.

Each bank has different standards for receiving documents, so not all of the above information is required. It depends on the bank’s requirements. Proof of employment or income is very important.

First go to a credit card salesperson or lobby teller to fill out an application form. The other party will usually ask you to fill in the application form if they see that your conditions may approve the card. You need to fill in your basic personal information and your work phone number on the application form. , home phone number and personal mobile phone number; two contacts (one relative and one friend) and their mobile phone numbers and landline numbers.

There is hope only after filling out the form, and then submit the above information and wait for bank approval. The bank will decide whether to approve the card and the credit limit based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, and unit. , income, position, housing, education, marriage, real estate, professional titles, credit records and other items, one score segment corresponds to one result, from not approved to approved, from low limit to high limit. In addition, ICBC and other banks will assess the star rating based on your assets in ICBC, and determine whether to issue a card based on the star rating. After submitting the form or applying online, you can enter your ID number on the bank's official website to check the application progress.

In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for the bank to issue the card.

Note: It is very important to repay your loan on time. If the cardholder fails to repay in full on the due payment date and does not choose the minimum repayment amount, he may face the following measures taken by the bank:

1. Consumption payments will no longer be interest-free. Repayment treatment. The card-issuing bank will calculate interest on the principal of the consumption amount on a daily basis starting from the accounting date, with a daily interest rate of 0.5% and compound interest on a monthly basis. For the unpaid portion of the minimum repayment amount, a late payment fee of 5% will also be charged on a monthly basis.

2. Receive reminder calls and reminder letters from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally.

So everyone should overdraft their credit cards based on their personal abilities, and don’t be too blind and end up causing unnecessary trouble to yourself.