If you have high debts and want to apply for a credit card, you will naturally choose a bank with a low threshold. Of course, each bank's comprehensive evaluation of users will be different, and the application results will be different. Some banks limit the debt ratio to 70%, while others limit it to 50% or 30%.

But in the case of high debt, users can do some remedial measures themselves first. For example, canceling credit cards that are not commonly used and have a relatively small amount, reducing your debt ratio, improving your information, providing proof of your repayment ability, such as real estate license and vehicle registration certificate, or applying to banks that usually have business dealings, can all improve the probability of card withdrawal.

Generally speaking, high debt does not mean that you can't apply for a credit card, it requires users to prepare in advance. Screening suitable banks, reducing their own liabilities and providing value-added information. Finally, the user's credit information can not be ignored, and must be maintained. Otherwise, the credit is not good, even if the debt is reduced, it may still be rejected by the bank.