First, the conditions that need to be met to apply for a card are:
1. Holding another bank's credit card for more than 6 months;
2. The credit card has no bad record and good credit;
3. The average credit line is not less than 5,000 yuan; If you have more than three credit cards from other banks, and the credit limit exceeds 90%, banks generally will not handle them.
2. Banks that can use bank cards to handle cards are:
Usually commercial banks, such as China Merchants, Minsheng, CITIC, Huaxia, etc. , use the card as a prerequisite for holding other bank credit cards for more than half a year.
State-owned banks are relatively strict, and some of them can't, unless the customer has already applied for a credit card and used it, and the credit record is good. Such as Industrial and Commercial Bank of China and China Construction Bank, cardholders usually need to use the original credit card for more than 6 months and have no bad records before they can apply for another credit card in another bank. China Bank's requirements are relatively relaxed, and it only needs to hold other banks' credit cards for more than 3 months.
Three. Number of cards to use:
When using a card, the issuing bank will also refer to the credit card limit already held by the cardholder, and the newly issued credit card will be similar to the credit card limit already held. For example, if the cardholder already holds a credit card with a limit of 30,000, then it is impossible to directly apply for a credit card of around100,000, and the newly issued credit card will basically be around 30,000.
In addition, banks will follow the principle of "rigid deduction" when issuing cards. If the cardholder already holds multiple credit cards and the total credit line is relatively high, the credit line of the new card will be appropriately reduced.