If your credit card is maxed out, you can apply for a card as long as you have no bad records, meet the application conditions of other banks, and repay the balance on time.

The process of applying for a card with a card is relatively simple, but there are certain conditions.

If the cardholder wants to use the credit card he already has in his hand to apply for another credit card, the cardholder generally needs to use the original credit card for more than 6 months, and then he can apply for another credit card at another bank. .

For ICBC, the required card holding time is relatively short. ICBC credit card holders only need to use the card for more than 3 months to apply for a card.

Extended information:

If you max out one card and then apply for a credit card, it will be difficult to apply for a new card if the limits of these two cards are not repaid. Because even if the information is submitted, the bank will mistakenly think that it needs to apply for a new credit card to cash out the previous credit card because the limits on the first two credit cards are gone.

Some banks apply for a card based on the previous credit card usage limit. It is best to repay half or more of the limit before applying.

Otherwise, the bank will reject the application as if you are applying for a new credit card for the purpose of cashing out. It is recommended to reapply after a period of time, preferably three months later.

Reference: Baidu Encyclopedia - Credit Card