if you are a CMB credit card, the card will be repaid on time every time and there is no bad record. You can try to apply for a second card. If you already have our main credit card and want to change other card types (you can apply for multiple cards), I suggest you apply online or re-fill in the application form (no other fees will be incurred except the annual fee). Please apply for the link /ccproduct/newcustomer.aspx? WT.mc_id=N37911211215, then the card number will be changed (the original card can be used before it expires). You don't need to provide work certificates and identification documents again when applying.