The same bank can handle two credit cards. There is no restriction on handling credit cards in the same bank. You can handle two credit cards. However, although banks have restrictions on the number of specific cards, it should be noted that the credit card limit of the same bank is shared.

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

Can I get two credit cards from the bank?

The same bank can handle two credit cards. And with this bank's credit card, it will be easier to get a new credit card. However, it should be noted that the credit card quotas handled by the same bank are shared, that is, when one credit card is used for consumption, the quotas of other credit cards will also be reduced. Therefore, even if you apply for two credit cards, the total amount will not change.

1. Why do I have two credit cards?

1. This situation is a set of card applications. Although two credit cards were given, the card organizations were different. Usually 1 UnionPay credit card is matched with VISA card or MasterCard. Banks do this to make it easier for people to use their cards. Since the cancellation of multi-currency credit cards, many people have to apply for a VISA/MasterCard separately if they have overseas needs.

You don't have to bother to apply for a set of cards. An application can handle two different organizations' cards, UnionPay cards for domestic consumption and foreign currency cards for foreign consumption. The card rights and benefits of different organizations are different. However, although the bank gave two cards, not everyone has to activate them, mainly depending on their own needs. If there is overseas demand, both cards can be activated. If you only swipe your card frequently in China, the foreign currency card can be temporarily suspended.

3. Some friends will worry that both cards are activated, but foreign currency cards will generate annual fees if they are not commonly used. In fact, although many sets of cards have different card organizations, they generally only charge an annual fee for UnionPay cards, and foreign currency cards are exempt from annual fees during the validity period. Of course, if you think that the foreign currency card is really useless and you are afraid of the risk of swiping it, you can cancel the card. There are two ways to cancel. You can call the issuing bank directly to cancel, or you can go to the bank branch counter to cancel yourself. Generally, from the date of cancellation, the cancellation is successful on the 46th day, and there is no balance and no debt.

Second, the principle of credit card cancellation

1. Although it is the same bank, the credit card quota is different, so when canceling the credit card, the card with low quota should be preferred.

2. Different grades of credit cards enjoy different rights and interests. Generally, other high-end cards such as platinum cards enjoy the most rights and interests. Therefore, when the credit card is cancelled, the credit card with limited rights is also among the cancellation card options.

3. For most of my friends, I hope that the credit card can raise the amount, but it may often backfire, and the credit card will not raise the amount for a long time. For credit cards that never mention the amount, friends can also consider whether it is necessary to cancel them.

4. For credit cards with overdue repayment records in recent two years, cancellation is still not recommended. Because for credit cards with overdue records recently, if they are directly cancelled after paying off debts, the current overdue records will be recorded in personal credit information, which will have a negative impact on the application of other bank loan businesses. Only by covering the previous bad records with good credit card records in the future can the impact be minimized.

How many credit cards can a person handle in the same bank?

A person can apply for multiple credit cards in the same bank (there is no limit), but if you apply for multiple credit cards in the same bank, the amount is the same and you share them; Applicants can apply as long as they meet the bank regulations.

Credit card review:

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Credit card identification:

The credit card has at least the following information on its surface:

1. Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts on the front of newly issued cards.

2. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all, and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Extended data:

Security issues:

Due to the convenience and rapidity of using credit cards, coupled with the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:

1. credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc. ) pretending to be a real card, directly deceiving merchants or card issuers.

2. Cardholder: improper storage/handling of cards (expired/invalid credit cards are not destroyed, or they are not immediately invalidated after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

3. Consumer merchants: service personnel have overspent in the process of cardholder consumption, or embezzled their credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

4. Issuer: The computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.

5. Trading system and mechanism: As long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

Bad debt problem:

1. The staff of Tianjin Shunda Investment Management Co., Ltd. revealed that as long as they provide ID cards, real estate licenses and work certificates, they can handle several large credit cards with a total amount of 500,000 yuan in the form of "recommendation by the president". Banks that can be "fixed" include China Everbright Bank, Minsheng Bank and Industrial Bank.

2. According to the statistics of the central bank, by the end of 20 13, the total amount of bad credit cards in China was 251920,000 yuan, an increase of 7 1.86% over the end of last year.

3. Li, director of the People's Livelihood Economic Research Center of the Central University of Finance and Economics, said that in addition to the lax issuance of cards by commercial banks, credit card cashing has also become an important reason for the sharp increase in bad debts.

Experts believe that China's credit system is not perfect, bank credit granting and POS card issuance are not strict, and the protection of citizens' personal information is not enough, which leads to the intensification of credit card cashing crimes.