I already have 4 credit cards, can I still apply for one from another bank?

Yes.

If you already have four credit cards and can apply to other banks, the bank will conduct a comprehensive evaluation of your application before deciding whether to approve it. The maximum limit for credit cards of the same bank or brand; the initial amount of a newly applied for credit card may be slightly larger than the previous credit card. It is recommended to apply for credit cards from different banks and brands; you can apply through the card to make the application more convenient; in order to reduce unnecessary fees, you can directly use the original credit card to submit an application for adjusting the limit, instead of applying for multiple credit cards;

1. A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to a credit-qualified consumer. It takes the form of a card with the name, validity date, ++ and cardholder name printed on the front and a magnetic stripe and signature strip printed on the back. Consumers who hold credit cards can go to specialized commercial service departments to shop or consume, and the bank will settle the bill with the merchant and the cardholder. The cardholder can overdraft within the prescribed limit.

2. The relevant legal provisions of credit cards in our country (the Standing Committee of the National People’s Congress interpreted the criminal law provisions of credit cards of the People’s Republic of China) refers to those issued by electronic commercial banks or other financial institutions. Payment cards provide all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and the repayment is on the day of issuance.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay later. A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required and can overdraw within the specified credit limit when the reserve account balance is insufficient to pay. The credit card in question generally refers only to credit cards.

4. Starting from January 1, 2021, the interest rate for credit card overdrafts will be determined by independent negotiations between the card issuer and the cardholder. Cancel the upper and lower limit management of credit card overdraft interest rates (the original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court promulgated and implemented the "Regulations of the Supreme People's Court on the Trial of Certain Issues concerning Bank Card Civil Affairs".

What loans can I apply for if I have a credit card?

When users have a credit card, they can borrow money in the following two ways:

1. Apply for credit card cash Installment, many banks now offer credit card cash installment business. If you want to apply for credit card cash installment, the cardholder needs to actively go to the bank to apply. After approval, the bank will convert the amount applied by the cardholder into cash and deposit it into the designated debit card.

2. To apply for a cash advance, users can directly take their credit card to the bank's ATM machine to withdraw money. Currently, there are handling fees and interest for cash advances. The handling fee ranges from 1% to 1% of the cash withdrawal amount. Three percent, with interest of 0.05% per day.

1. If you don’t have a credit card and you want to get a loan to buy a house or a car, your credit report is blank. Why should the bank believe you? This can easily lead to your loan being unsuccessful. If you have a credit card, once the bank sees that your credit report is good, it will be easy to get a loan.

2. If you don’t have a credit card, and suddenly one day you can’t come over, will you borrow money from everywhere to see how your friends look? It is very difficult to borrow money nowadays, everyone should agree. So having a credit card is just in case, and you don’t have to look for someone to borrow money when you need it. Bank credit card loan

3. If you don’t have a credit card, and you suddenly get laid off one day, it will be difficult to apply again! Because credit cards are not approved for people who don’t have a job, many people ask me if I can apply for a credit card if I don’t have a job. All I can do is laugh.

4. If you don’t have a credit card, Alipay’s Zhima points will not give you too high Zhima points. Therefore, it is difficult to have a large limit for Huabei and Borrowing. You can compare whether the Zhima credit scores of people around you who have credit cards will be higher than the credit scores of people without credit cards. The amount you can borrow for Huabei will also be higher.

Generally, if you already have a credit card in the same bank, you can apply for it again. Many banks can hold multiple cards. However, you need to understand that no matter how many credit cards you have with the same bank, you will always have a limited credit limit, and the limit for applying for another card may not be high. The key is that there is no guarantee of applying for the card.

Many people have failed to apply for a card when they already have a credit card and failed to pass the bank's review.

Already have a credit card but want to apply again? To apply for a large credit card, this guide is enough

There are often cardholders who already have a credit card, but want to apply for other credit cards, so can they still apply for it? How can the card limit be higher? Today, we will briefly introduce the matters related to applying for a credit card when you already have a credit card. We hope it can help everyone.

Can I still apply for a credit card if I already have one?

This is possible. You can apply for a credit card from the same bank, or you can apply for a credit card from another bank.

If you are applying for a credit card from the same bank, you need to know whether the issuing bank has any restrictions on the number of credit cards. For example, Guangfa Credit Card stipulates that each customer can only apply for a maximum of 8 valid RMB credit cards, and Bank of Communications can only apply for a maximum of 8 valid RMB credit cards. Apply for 9 main cards, and the number of valid Everbright Bank cards shall not exceed 5, etc.

If you apply for a credit card from another bank, there is no limit on the number of cards. However, some banks are more taboo about multi-lending. It is said that you cannot apply for a CCB card if you have 5 cards in your name. After all, there are huge risks in multi-lending. Risk, cancel unused credit cards if possible.

What should I do if my card limit is high?

Many people like credit cards with high limits, which can reflect the cardholder’s consumption level. If you already have a credit card and want to apply for a card with a higher limit, you must first take good care of the credit card you already have, spend more with the card, repay on time, and continue to use the card for at least 6 months, and then apply for other credit cards. Two methods.

1. Curve card application

It is to apply for other credit cards from the same bank. The card level is a little higher than the existing credit card. For example, you can apply for a platinum card for a gold card. You have to choose to compare. Card types that are prone to curves include Bank of China's Stolen Daddy Series, Urban Colorful Platinum Card, ICBC China Resources Tong Card, Virgo Constellation Card, Agricultural Bank of China Telecom Co-branded Card, Youran White, Pretty Mom Platinum Card, etc.

You can also visit major forums to see which credit cards are being relaxed according to netizens’ feedback, or which card types are popularly promoted on the bank’s official website. You can try them all. If it can be approved, no surprise, the limit will be higher than the existing credit card limit.

By the way, I would like to mention here that if you apply for multiple credit cards with the same bank, if the rights of the original card are not as good as the new card, it is recommended to cancel them. After all, credit cards from the same bank are not easy to manage, especially in terms of repayment. Not all cards are consolidated.

Like banks that merged with China Economic News, you can just return any card you have for multiple cards after the statement comes out. And if the letter and newspaper are not merged, even if the credit cards in your name are billed on the same day, they need to be paid back to the corresponding cards separately. If you pay the wrong card, it will easily become overdue. These banks include China Construction Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, China Everbright Bank, Standard Chartered Bank, and Citibank.

2. Apply for a card by card

That means you have an existing credit card as proof of financial resources and apply for a credit card from another bank. Banks that support card application include Bank of Communications, China Guangfa Bank, Bank of China and Ping An Bank.

Applying for a card with a credit card requires that you hold a credit card from another bank. You need to have used the card for more than 1 year. The card must be in good condition and not overdue. It is best to have a limit of 20,000 to 30,000 yuan. Usually, card application is done at a bank branch. In this case, you need to prepare the necessary relevant materials, including the original and copy of a valid ID card, as well as proof of income.

It’s okay to not have a job certificate, because you can apply for a card without a job, the pass rate will be higher, and the limit will generally not be lower than existing credit cards.

What does it mean when I apply for a credit card but it says that I already have a principal credit card++?

When I apply for a credit card but it says that I already have a principal credit card++, it is because applying for a credit card online is divided into Application for existing card customers and application for new customers.

Take China Construction Bank as an example:

The reason why you are prompted to enter credit card++ when applying for a credit card online:

Online application for a credit card is divided into applications for existing card customers and There are two types of applications for new customers (that is, customers who have never applied for a credit card in our bank).

If the customer already holds a China Construction Bank credit card, the customer needs to fill in the existing credit card++ as prompted when applying. After verifying that it is complete++, fill it in according to the page prompts; if the customer does not hold a China Construction Bank credit card, please Just apply for a new customer directly when applying.

Extended information

The same customer of China Construction Bank can apply for multiple CCB credit cards, but the credit limit of the card under the customer's name is the highest. Customers can apply through self-service channels such as online credit card channels, mobile banking, and WeChat.

Credit card approval time:

It will take about 5 working days from application to mailing of the card for existing card customers. New customers will receive the approval if they are approved (general approval time is 10 days) You will receive a card letter after 3-5 working days via text message. You only need to present the text message, original credit card and ID card to the CCB outlet in the city where the billing address is located within 90 calendar days to print the application form for signature.

China Construction Bank - Why are you prompted to enter credit card++ when applying for a credit card online

China Construction Bank - Can you apply for multiple CCB credit cards at the same time?

China China Construction Bank - Credit Card Approval Time

I already have a regular bank credit card, how do I apply for a gold card?

Use regular cards to upgrade gold cards.

The CCB credit card can be upgraded to a gold card. First, your CCB credit card must be used for at least one year, secondly, the consumption amount is larger, the frequency is larger, and the coverage is wider, and finally you have With a good credit record, CCB will be able to upgrade your credit card to a gold card.

The regular card limit must be enough to apply for the gold card. For example, the minimum limit for the gold card is 1W, then you have to use the card first, and wait until half a year later to apply for an increase in the limit. If it is passed, if it is enough, the minimum standard for the gold card will be applied. You can ask to exchange for a gold card.

Submit another application form, asking to apply for a gold card, and indicate that you do not want a regular card. Many people are like this. The bank may approve a gold card, and then cancel the regular card after you get it. . Since it is possible to apply for a regular card, it is also possible to apply for a gold card. It is best to fill in a higher income. If you have a real estate certificate or a driving license, you can hope for a higher amount.

Extended information

Must meet the following requirements:

1. Meet the bank’s requirements for the number of consumption and amount. During your period of use, it is best to ensure that you consume more and more Credit card swiping habit.

2. Repay in time. If you have overdue repayments, most banks will not allow you to upgrade to a gold card. It is recommended to accumulate personal credit and repay on time every month.

3. Whether you frequently participate in bank activities (a series of preferential activities for credit cards on the bank's official website), the bank will use this to judge whether you are actively consuming. You can also call the bank’s customer service number for consultation.

Baidu Encyclopedia-Bank of China JCB Card Gold Card

Shanghai Pudong Development Bank Official Website-Homepage (Gold Card)

Can I still apply for a credit card if I have a credit card? Why not pass?

Nowadays, it has become normal to use credit cards for consumption. However, credit card limits vary, and the card types have different benefits. For this reason, many people want to apply for a credit card again. So, can I still apply for a credit card if I already have one? Why not pass? Today I will give you a brief introduction and see if there are any ways to solve it.

Can I still apply for a credit card if I already have one?

Generally, if you already have a credit card in the same bank, you can apply for it again. Many banks can hold multiple cards.

However, you must understand clearly that no matter how many credit cards you have in the same bank, you will always have a limited credit limit, and the credit limit may not be high when you apply for another card. The key is that there is no guarantee that you will get a card. Many people have failed to apply for a card when they already have a credit card and failed to pass the bank's review.

Why not pass?

In fact, many people have encountered this situation. What I can say here is that it does not mean that you will be able to apply for a credit card if you apply for it again. Each time you apply for a credit card from the same bank, you need to re-examine it. For example, if If the card application is rejected, there are generally the following reasons:

1. Insufficient comprehensive score: There are two key points. One is the poor repayment ability. The job may be relatively stable, but the overall debt ratio is too high. High, which means it exceeds the bank's minimum liability ratio, and the repayment ability is not optimistic, and there is a risk of overdue at any time; one is bad credit, such as having three bad accounts in a row, or applying for credit cards or loans multiple times in a short period of time, and it takes too much time to check the credit. .

2. Not choosing the right card level: The credit card level also affects the approval to a certain extent. Credit cards of various banks can be roughly divided into two types: ordinary credit cards and high-end credit cards. High-end credit cards pay more attention to the applicant’s assets. and financial strength. For example, if your current qualifications only meet the requirements for ordinary credit cards, but you apply for a high-end card, no matter how well you have used your previous credit card, you will be rejected because your qualifications are not up to standard.

3. Too many credit cards: Each bank has set a limit on the number of cards it can apply for. If the number exceeds the number, no more applications will be allowed. For example, Bank of Communications can only apply for a maximum of 9 credit cards. , if it exceeds, you need to cancel one of them before trying to apply. Whether the card can be approved will be subject to the system approval result.

The above is the relevant introduction to "Can I still apply for a credit card if I have a credit card?" I hope it will be helpful to everyone.

Let’s stop talking about the introduction of existing credit cards here.