How to apply for a second credit card?

Under normal circumstances, China Merchants Bank will complete the review and card issuance within 10 working days after receiving your personal information.

After your credit card is approved, a card will be produced for you within 2 working days. It will usually be sent to your billing address by registered mail, which usually takes about 1 to 2 weeks. Received, please wait patiently.

With the improvement of credit card anti-counterfeiting measures, as long as you keep and use your credit card properly, multiple cards are not only risk-free, but also provide added convenience and protection. Factors you can consider when considering applying for a second credit card include: :

1. More protection in case the card is lost or the credit card is not expired. Since the card will be reissued for a while, having a second credit card with you will provide you with more protection. You don’t have to worry about one. If the card fails to be swiped and there is not enough cash on hand to pay the bill, there is another card for emergencies.

2. Dual-card and dual-limit cardholders temporarily request to increase the credit card limit. The bank may not 100% agree. At this time, if you already have a second credit card, you can provide emergency assistance. When applying for a second credit card, banks will give customers different credit limits. Dual cards and dual credit limits allow cardholders to make flexible arrangements.

Is it easy to apply for a second credit card if you have one?

Is it easy to apply for a second credit card if you have one?

It is possible to apply for a second credit card if you have one. However, the limit of bank cards is exclusive. That is to say, if the limit of one of your cards is 10,000, then the limit of the second bank credit card you apply for, combined with the first one, is actually only 10,000. In addition, whether it is easy to apply for the second credit card mainly depends on the credit record of the cardholder. If the first credit card is repaid normally and on time, it is generally easy to apply. If the first credit card is too overdue, it will affect the approval. .

If you are sure that you have no bad record, you can apply for a credit card again at the bank counter, or you can apply on the official website. Take online credit card application as an example:

1. After entering the application page , select the application area, and the system will list the types of credit cards that can be applied for in that area. Click Apply Now to enter the information filling page.

2. When applying, you must fill in complete and valid application information, and the bank will automatically identify it.

3. Just submit the form after filling it out. The system will automatically conduct a preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.

4. The conditions for online application are basically the same as those for actual written application. You must be over 18 years old and have a stable job and repayment ability.

How to apply for a supplementary credit card?

There are two ways to apply for a supplementary credit card:

1. Apply at the same time as the main card: when applying for a credit card , when filling in the application form, check to apply for an additional card, and fill in the identity information of the additional cardholder at the same time.

2. Follow-up processing of the main card issuance: After the main card is issued, the main cardholder needs to go to the corresponding bank's business outlet to fill in the supplementary card application form, provide the main card, and the supplementary cardholder's identity information and then submit it Just give it to the bank.

What is a supplementary credit card?

A supplementary credit card, in other words, is an additional credit card to the main card. The main card and the supplementary card use one account. The holders of the supplementary card can only be the parents, spouse, children, etc. of the main card holder. The operations of opening the supplementary card and setting the password are independent, but The cardholder of the main card can handle it on his behalf, and the annual fee is lower, half that of the main card. The main card can master all transaction information of the secondary card, and all transaction details will be listed on the statement of the main card. Consumption, cash withdrawal and other handling fees are calculated and collected from the main card account.

What issues should be paid attention to during the credit card application process?

1. The information filled in the credit card application is incorrect

When applying for a credit card, you will submit your workplace information. The bank will comprehensively judge the applicant's work situation, income and future repayment ability based on the work unit, position and working years filled in by the applicant. College students can apply for the campus version of the credit card.

2. The credit card application conditions are not met

If you want to apply for a credit card, you must meet these conditions. First, the age of the applicant must be between 18 and 60 years old. Second, the applicant must have a stable job and income. Third, the applicant’s personal credit is good.

Many people may overlook one of the conditions when applying for a credit card, which can lead to difficulties in the card application process. For example, when proving your income, many people who have income but are still interns may not meet the application conditions for certain credit cards.

3. The credit card application agency is irregular

Nowadays, people’s spending power has improved, and they all want to apply for credit cards to facilitate payment. But you should be careful when applying for a credit card, because there are many credit card application agencies now. These intermediaries are informal processing agencies. If you encounter this situation during the process of applying for a credit card, you must refuse it in time. If you want to apply for a credit card, you must apply on the official credit card website or go to a business outlet.

After the above introduction, everyone should be aware of the problems that may arise during the credit card application process. If you have difficulty applying for a credit card, there must be a problem in some link. At this time, you must find the reason and solve it. Applying for a credit card will be easy

Introduction to how to apply for a second credit card Let’s stop talking here.