However, if you hold more than one credit card, don't ignore the annual fee of the credit card: generally, there is an annual fee for the credit card and the Puka gold card level, and you can avoid the annual fee only if you swipe your card for a certain number of times or a certain amount. You need to pay attention to this problem when you hold more than one credit card. In addition, holding multiple credit cards can't be used, or the credit cards are downgraded: this shows that a person's monthly consumption level is limited, and the number and amount of swiping cards are limited. If you have multiple credit cards, but you can't swipe them frequently, or the frequency of swiping cards is too low, the credit card limit may be reduced by the issuing bank.