Many people often set up credit cards in banks, but the amount is not high. The credit card has not been withdrawn for a long time, and they intend to apply for a second credit card in this bank. So is it easy to apply for a second credit card? Will it be high to get a second credit card? Here is a brief introduction for your reference.
Is it easy to apply for a second credit card?
Although all the cards are handled in the same bank, it does not mean that it is easy to handle the second card if the first card has a record. The key is to judge the applicant's current credit status and the use of the first credit card.
If the applicant makes good use of the first card, develops a good card-using behavior, owes little, can repay on time after spending by swiping the card, and has accumulated good credit in the bank. In addition, the applicant's credit condition is not worse than that of applying for a card, which meets the requirements of applying for a card, and will still be passed without accident.
In addition, if you apply for a second card online, you can activate it directly after passing it, so you don't need to go to the counter to sign it, so there will be no card rejection.
Will it be high to get a second credit card?
The credit limit of the first credit card will not have a direct impact on the second card. Regardless of the credit limit of the previous credit card, the bank will focus on the applicant's current credit status when approving the second card. Among them, credit status, income, debt ratio, financial level and other factors are very important, but also depends on the card level selected by the second card.
If the applicant's current credit status is good, he is still a high-quality customer of the bank, with good credit and stable income, and has deposits and wealth management in the bank, and the level of the second card he chooses is higher than that of the first card, he can approve the card through the curve, and the amount will basically not be lower than that of the first card.
The above is "Is it easy to get a second credit card?" . Finally, I would like to remind you that no matter how many credit cards have been set up in the same bank, if credit card quota sharing can be approved, then the maximum credit card quota is the maximum overdraft consumption quota.
Is it easy to get a second credit card?
One credit card is easy to get a second one, and the second one mainly depends on the credit history of the cardholder. If the first credit card is repaid on time normally, it is generally easy to apply. If the first credit card is overdue too much, it will affect the approval. \ r \ For more information, is it easy to get a second credit card? Go to: See more.
I have a credit card. How to apply for a second one? Is it easy to get a second credit card?
Many banks have bought all kinds of credit cards, each with its own characteristics, which makes many cardholders want to get another one. Many people who want to apply for two cards in the same bank are often more concerned about these two issues: if you have one credit card, how to apply for a second credit card? Is it easy to get a second credit card? Let's briefly introduce it today.
I have a credit card. How to apply for a second one?
In general, the application method for the second card is the same as that for the first card. You can apply for the card at the counter of the bank outlet or through the official website channel of the bank, such as WeChat official account and mobile banking. Be careful not to click on the card links of unknown third-party platforms at will to avoid encountering phishing websites.
Applying for a second credit card has some advantages over applying for the first card. For example, you don't have to go to the bank for an online application. After the card is approved, the bank will send the card directly to the card receiving address, and you can activate it directly when you get the card. In addition, the approval time will be shortened, which is less than that of the first certificate, and the results can be produced in a few minutes at the earliest.
Is it easy to get a second credit card?
No matter how many credit cards are applied in the same bank, each application will be re-approved by the bank and scored according to the applicant's current qualifications. If the score reaches the standard, it will pass, otherwise it will not pass. So it's not that it's easy to get a second credit card, but relatively speaking, if the first card is used well, it's beneficial to get a second card.
As for whether it can be done, it depends on the approval results of the bank. Applicants are advised to maintain good credit, not to be overdue easily, and the reasonable debt should not exceed 50% of monthly income. It is also necessary to choose the appropriate card type, which is helpful to improve the pass rate of card handling.
The above is the introduction of "How to handle a second credit card". I hope it helps you.
So much for the introduction of the second credit card.