You can apply for multiple credit cards at the same time. Applying for multiple credit cards at the same time can be divided into two situations, one is to apply for multiple bank cards of the same bank at the same time, and the other is to apply for multiple bank cards of different banks. In the first case, as long as you have good credit and need it, you can apply for different types of credit cards from the same bank, or the so-called package credit cards, but you can't apply for too many. Generally, different banks have different quantity restrictions. You can check the details on the official website of relevant banks, and some banks can enjoy the policy of sharing credit lines when opening cards at the same time. In the second case, with good credit, you can apply for multiple banking companies.
At present, credit cards are the first choice for many people to apply for bank cards, because credit cards can meet the embarrassing situation that we want to buy things on the one hand and lack funds on the other. This greatly facilitates our shopping, so can we apply for multiple credit cards at the same time?
First of all, it is clear that you can apply for a credit card. The requirements of general banks are:
1. At least 18 years old;
2. Holding a Chinese mainland long-term resident identity card;
There is no bad credit record, which means your credit must be very good. Generally speaking, you can apply for a credit card if you meet the above three points. If you are overseas, there will be different rules for handling credit cards. It depends on which bank you want to apply for a credit card. You can find the relevant rules.
It is worth noting that if the credit card is not used a certain number of times a year, it will generate a high annual fee. Therefore, it is generally not recommended to handle too many credit cards, because too many credit cards will always be ignored. In case a card is useless, it is very uneconomical to deduct hundreds or even thousands of annual fees. And in the process of using credit cards, we should pay attention to timely repayment and other issues. If it is overdue, there will be some problems. Therefore, even if the credit card facilitates our life, having too much will go against this original intention. Therefore, whether you choose the type of credit card or the number of credit cards, you should make a rational choice according to your own needs to avoid some difficult or uneconomical phenomena in the future.
There are two credit cards. What happened?
There may be two cards when applying for a credit card:
1. When applying for a credit card, the daughter card option will be checked.
Nowadays, credit cards have their own supplementary cards, which are usually prepared for the wife, children or parents of the main cardholder. If you don't pay attention to the secondary card option when applying for a credit card, there may be two cards, the main card and the secondary card, when you apply for a card. The secondary card also has a quota, and the quota of the secondary card can be freely specified, but it cannot exceed the quota of the main card.
2, bank staff in order to complete the business.
Now many bank staff have credit card marketing tasks, so when you apply for a credit card, you may give an extra card, but the credit card quota is the same, and the quota of the two cards is also shared, so which credit card you use is the same.
If it's not for the above reasons, it's better to consult the bank's customer service for a credit card, or go directly to the counter for a credit card.
Credit card application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
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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.
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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
How to use two credit cards of CCB?
The amount of two credit cards of CCB is shared, and the amount of one card will be reduced accordingly after consumption.
However, if the credit limit of one of your cards is higher than that of the other card, the card with higher credit limit can consume the remaining credit limit after the consumption of shared credit limit is completed. The credit card of CCB under the same customer's name shares the credit line.
For example, customers hold CCB credit cards A and B in their own names, and the credit lines of A and B are shared. The credit lines of A and B are 2,000 yuan and 3,000 yuan respectively, and the shared credit line of A and B is 3,000 yuan. After the credit lines of A and B are 2,000 yuan, A can no longer consume, so B can only consume the remaining credit lines of 1 1,000 yuan.
Why do you have two credit cards?
One possibility is that the credit card applied for is a set of cards, that is, a UnionPay card+a card. UnionPay cards are suitable for domestic use and cards are suitable for foreign use. If the card is of little use, you can choose to activate only UnionPay cards.
Another possibility is that the main card plus the secondary card. The main card is used by the applicant himself, and the auxiliary card is used by the immediate family members of the main card holder. If you don't pay attention to the secondary card option when applying for a credit card, you may get two cards, the main card and the secondary card. The secondary card also has a quota, and the quota of the secondary card can be freely specified, but it cannot exceed the quota of the main card.
UnionPay card refers to a bank card that meets the requirements of unified business norms and technical standards and is printed with the words "UnionPay" at the designated location. Most of them start with "62". According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.
The purpose of launching "UnionPay" logo is:
Provide a unified identification mark for all kinds of ATM and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be used in ATM and POS terminals with the "UnionPay" logo, and provide consumers with convenient, fast and safe financial services.
UnionPay cards are characterized by:
1. The red, blue and green "UnionPay" logo is printed on the lower right of the front of the card.
Second, there is a holographic laser pattern above the "UnionPay" logo on the credit card.
Third, the signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the handwriting written on it cannot be smeared.
In China, UnionPay RMB cards can withdraw cash overseas, but each card does not exceed the equivalent of RMB 6,543,800 yuan per day, and an annual limit is added.
Due to the credit limit and other reasons, the issuing bank can set the limit separately. Please consult the issuing bank for details. Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which shall be subject to the local machine prompt.
Under normal circumstances, most credit card operators belong to institutions in countries with freely convertible currencies, so there is no difference between cards and local currency cards in such countries; However, in most developing countries, the currencies of many countries are not freely convertible. Therefore, credit cards in this currency, even if they are members of international credit card organizations, can only be issued as regional cards and cannot be used internationally. Therefore, card issuers must use a freely convertible currency, that is, the internationally accepted currency, as the settlement currency of their international cards, so as to achieve the purpose of issuing internationally accepted credit cards, that is, the so-called 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 of the credit cards 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. You can get cards from two different organizations in one application. UnionPay cards can be used for domestic consumption, and cards can be used for foreign consumption. Different institutions have different rights and interests in using cards. However, although the bank gave two cards, not everyone had to activate them. Mainly depends on their own needs. If there is overseas demand, both cards can be activated. If you only swipe your card frequently in China, the card can be temporarily suspended.
3. Some friends will worry that both cards are activated, but the annual fee will be generated if the cards are not used frequently. In fact, although many sets of cards have different card organizations, they generally only charge the annual fee of UnionPay cards, and the cards are exempt from the annual fee during the validity period. Of course, if you think the card is really useless and you are afraid of the risk of stealing it, you can cancel it. 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 the vast majority of friends, it is hoped 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.
This concludes the launch of two credit cards and two credit card bills. I wonder if you found the information you need from it?