1. First of all, you can apply for credit cards from other banks. Each bank has different conditions and approval criteria for credit card applications, so even if there is credit card arrears before, it will not directly affect the credit card applications of other banks.

2. Secondly, the credit card arrears of the original Bank of Communications will have an impact on the credit record. The bank will report the arrears record to the personal credit reporting agency, which may lead to the decline of personal credit score. When applying for credit cards from other banks, the credit score is one of the comprehensive factors, and a lower score may lead to the rejection of the application or the reduction of the credit limit.

3. In addition, when handling other banks' credit cards, it is recommended to make fund management and repayment plans in advance to avoid overdue repayment again. It is very important to maintain a good credit record, which can improve the success rate of applying for a credit card in the future and obtain a better credit limit.

Extended data:

Personal credit records have a great influence on credit card applications. If there are bad records such as overdue repayment, arrears and credit card write-off, it will have a negative impact on personal credit score. Credit score is one of the important indicators for lending institutions to judge personal credit status, and it will play a key role for banks to decide whether to issue credit cards.

Therefore, it is suggested that you should be prepared before handling credit cards from other banks. For example, try to avoid overdue repayment, maintain a good repayment record, and reasonably control the use of credit cards. In addition, you can know your credit status and score by querying your personal credit report, so as to more accurately evaluate your advantages and difficulties in applying for a credit card.

Summary:

Although other banks can handle credit cards, the credit card arrears of the original Bank of Communications may have an impact on the application results. A good credit record is very important, which has a certain influence on the application of credit card and the determination of credit limit. It is suggested to plan the fund management in advance, try to avoid overdue repayment and maintain a good credit record.