In fact, banks have no clear regulations on the number of credit card applications. However, considering that credit card is a bank's business, credit will be checked once every application. In order to avoid the credit investigation and affect the subsequent credit business, the number of applications per month is still controlled.
According to the unwritten rules of the industry, the number of credit card applications cannot exceed 3 times a month, 5 times in 3 months and 10 times in half a year. If the number of applications is too large, it is not conducive to the approval of the card. On the one hand, it will waste credit information, on the other hand, it will be questioned about repayment ability.
Relatively speaking, if the applicant has good credit, good repayment ability and certain assets, the card will not be rejected because of too many applications. Generally, the advantages can be highlighted by entering the card through the outlets. It will be easier to approve cards by submitting various financial certificates and telling banks that they are not short of money.
On the other hand, if you apply for multiple credit cards online, just filling out the application form is not enough to get the bank's approval. On the contrary, banks will see multiple credit card approval records, thinking that applicants are short of funds and need credit card turnover urgently before they can apply for multiple credit cards within one month. He suspects that the applicant's motivation for applying for a card is not pure, and he is worried that the loan risk will increase after doing cartoons and may be rejected.
In addition to not handling cards frequently in the same bank, it is not advisable to handle multiple bank credit cards at the same time in a short time, especially if they are all online. If one bank refuses to apply for a card, other banks will be more likely to refuse to apply for a card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.