CITIC Bank does not need to swipe another card to handle the card. CITIC Bank's card handling method: The first method is to handle the card by card, and the first condition is to have a credit card, which must be used for more than half a year. The second condition is to ensure that your card has no bad record, such as overdue, and has not expired in the last year. The third condition is that the credit limit of this card must be more than 10 thousand, at least 10 thousand To handle a card with a card, you will refer to the credit card limit, which is high. The lower the credit card limit, the lower the credit card limit. The fourth condition is that the card I take must not be in the state of installment or minimum repayment at present. If it is in the state of installment or minimum repayment, the probability of rejection is very high. When I do it, I have to ensure a key point. For example, if I take this credit card of China Merchants Bank to apply for a card, for example, if I apply for a card of Zhang Zhongxin Bank, I must ensure that the available amount in this card is at least 30%. It is better to have more than 60%. If your card is only 30%, only 10% or empty, it will make a difference if you do it. He will think that your debt is too high.