1. If you already have ICBC Peony Credit Card, you can't apply for the same kind of credit card as the first one, otherwise your application may be rejected.

2. If you apply for a credit card with the same brand as the first card, the two cards share an account and the credit line is shared. After the first card is consumed, the credit limit of the second card will also be reduced, so the second card will lose its meaning of existence. They are almost equivalent to the main and secondary cards.

3. If you have a bad credit record (concern or exclusion) due to credit card or personal loans overdue repayment in the process of using the first credit card, the probability of applying for a second credit card is very low.

4. When applying for a credit card, the bank will review the applicant's personal credit report. If the applicant's total credit line is running out, the bank can refuse the application on the grounds that the credit line exceeds the limit.