It is generally recommended to apply for three credit cards, not as many as possible. The suggested combination is: Bank A is 2, and Bank B is 1 .. Its function: firstly, choose one of the credit cards of Bank A as daily consumption, which is convenient for point management and gift exchange; The second is to use the credit card limit of Bank A+the credit card limit of Bank B to deal with sudden large expenditures. If it is convenient to repay, you can apply for the salary card or credit card of the bank where your existing debit card is located, and open the automatic related repayment function, thus saving the trouble of forgetting to repay.

It is very important for the cardholder to choose the issuing bank of the credit card. Ling Jun wealth analysts pointed out that many people only pay attention to the function of the card when applying for a credit card, but not to the issuing bank. In fact, choosing a bank is choosing a service. "The credit lines of the four major banks are relatively low, and there are few promotional activities, but there are many outlets and ATMs in the big banks, which is convenient for repayment; Joint-stock commercial banks have high credit cards, many preferential activities, many points and few outlets. Consumers may wish to give one to a big bank and one to a small bank, taking into account both consumption and repayment needs. "