If the credit card you originally held has a good repayment record, applying for a credit card from another bank will be helpful.

1. Regarding applying for a card by card, each bank has different requirements.

General commercial banks, such as China Merchants, Minsheng, CITIC, Hua Xia, etc., allow card application, provided that your original credit card has been used for more than half a year.

State-owned banks are relatively strict, unless you have already applied for and are using their bank's credit card, and have a good credit record.

Applying for a credit card is usually simpler than applying for a credit card for the first time, and the approval process is also easier.

2. When applying for a card by card, the original credit card will not increase the application success rate, but the limit of the previously held card will have a certain reference value for the bank to set the limit for the new card. Whether the card can be successfully approved depends on the credit card application information submitted by the user and the credit record in the personal credit system. The bank will decide whether to approve the card and how much amount to approve after a unified and strict review.