Credit cards from different banks are generally acceptable.
Analysis:
Credit cards from different banks are generally acceptable. Even if the credit card is in arrears, as long as the customer has no bad record in the bank, he can continue to apply for a credit card in another bank.
Matters needing attention in applying for a credit card:
Customers must not have bad credit records in the bank; People with high debt ratio who apply for state-owned bank credit cards will generally be rejected. Even if the card is issued, the amount will not be very high. (Cardholders who pursue the quota can reduce their debts first and then apply, so the quota will be much higher. I suggest that you can apply for a credit card from the local bank. Compared with state-owned banks, local banks are more tolerant of debt, and as long as the debt does not exceed 70%, they can generally approve cards.
2. Cancel the extra credit card. Generally, the number of cards held is no more than five, while some friends who play cards may hold dozens or even hundreds of credit cards. According to the regulations of the regulatory authorities, when issuing credit cards, banks need to consider the total amount of loans of applicants to avoid excessive credit granting. There are too many cards in the personal credit report, which will make the bank think that your actual economic ability does not match your repayment ability, and there is a certain repayment risk. Remember to cancel some unused credit cards appropriately and control the total amount of loans and credit cards within a reasonable range. 3. Provide proof of financial resources. For banks, high debt ratio means that applicants have low repayment ability. In order to avoid not paying back the money at maturity, ordinary banks will not issue cards to such people. If the applicant's debt is too high, he can provide effective financial proof to the bank, such as real estate, vehicles, wages and other information to prove his repayment ability, which can also improve the success rate of issuing cards.
4. Stop lending behaviors such as "micro-loans" before handling the card. If you intend to apply for a credit card, it is best not to apply for consumer loans and other businesses within the first six months of applying for a credit card, nor to apply for a small loan from a loan company. Even if you go to a loan company for a loan, the other party will inquire about your credit report, and this inquiry behavior will be displayed on your credit report for the bank to see. If you apply for small loans frequently in the near future, it will not only waste your credit information, but also be considered by the bank that you are in urgent need of money and have a high risk of default, and will refuse to issue credit cards. Does it matter if the credit card is overdue by one day? Cardholder, come and have a look.
Although credit cards can help many people solve their urgent needs, it is also common that some cardholders are overdue due to improper use of credit cards. So, does it matter if the credit card is overdue for one day? For this question, the cardholder will take a look!
Consequences of overdue credit cards
For the grace period of credit cards, the relevant regulations of each bank are different. Some banks have a three-day grace period, while others don't. Therefore, there is no standard answer to the question whether the credit card is overdue for one day.
For example, there is no grace period for credit cards, and the impact of one day overdue is mainly overdue records; Generate overdue interest; You will also encounter bank SMS collection. If the credit card has a grace period for repayment, the grace period is generally 1-3 days. At this time, a day overdue will have no effect.