After the successful negotiation of repayment, there is a provision in the agreement that the cardholder cannot apply for a credit card before the negotiation of repayment is completed. Is this rule legal? According to the general terms of the credit card agreement, the cardholder usually needs to abide by the agreement after successful repayment negotiation. In the agreement, the bank may stipulate that the cardholder shall not handle new credit cards or other lending business during the negotiation repayment period.

The legality of this clause depends on the specific terms of the agreement and relevant laws and regulations. In some cases, this provision may be considered legal because it is in line with the interests of banks and the protection of customers' credit records. However, if this provision violates the Consumer Protection Law and other relevant laws and regulations, it may be considered illegal.

Therefore, it is recommended that you carefully read and abide by all the terms in the agreement after successful repayment negotiation. If you have any questions or uncertainties about the agreement, you can consult the bank customer service department or professional lawyers.