What are the factors that affect the approval of adding a credit card?

1. Historical Card Usage

When applying for an additional card, the bank will also check the first card usage and credit card status to determine the cardholder's spending power and repayment ability.

If the card has been used well and has no abnormal consumption records, such as overdue payment, cash out, etc., the approval rate for adding a card will be higher. In addition, if the first card account status is stop-paid, frozen, bad debt, canceled, inactive, etc., it may affect the approval.

2. Card level

When applying for additional cards, the card type of the first card must also be reviewed. If the first card has a higher level and can pass the bank review, it means that the applicant's credit status is good. . Therefore, if the level of the first card is high enough, it will be easier to apply for additional credit cards. On the contrary, if the first card has a lower level and the additional cards have a higher level, the bank's review will be more stringent.