1. Different banks have different requirements for handling cards. Ordinary commercial banks, such as China Merchants, Minsheng, CITIC and Huaxia, can use cards to handle cards, provided that your cards have been processed for more than half a year. State-owned banks are relatively strict, unless you have applied for their credit cards and used them, and your credit history is good. For example, ICBC's credit card can only handle one industrial and commercial card, which is a bank that needs a card. Xingye, China Everbright and CITIC can apply directly in online banking, and then someone in the credit card center will handle your card. The card approval speed is fast, and the requirements are lower than those of the four major banks. You can also use a credit card. Credit card processing is usually simpler than receiving the card for the first time. Is it easier to approve? Of course, this needs to be based on good credit.
2. The process of handling cards by card is the same as that of normal card handling, which will not improve the success rate of handling cards, but the amount of cards previously held will have certain reference value to the bank quota. Whether the card can be approved successfully depends on the application materials submitted by the user and the credit records in the personal credit information system. The bank will decide whether to approve the card and how much after unified and strict examination.