There is no particular limitation in theory. You can apply for a credit card at any bank. Some banks may have restrictions on the number of credit cards under an ID card, usually 3-5, while others have no restrictions. There are many people who handle more than ten credit cards. However, some banks will access your credit information at the People's Bank of China when approving credit cards. If you see that you already have more credit cards, you can consider giving you a slightly lower limit or even not giving it to you for the time being.

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 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 have one for each big bank and one for each small bank, taking into account both consumption and repayment needs.

For ordinary cardholders, when applying for a credit card, as long as they pay attention to the credit of the issuing bank, combine the function of the card with the actual demand, and reduce the pressure on the repayment date, they can reasonably match their credit cards. Need to be reminded that "the purpose of applying for a credit card is for consumption. It is okay for cardholders to use credit card functions such as early consumption and delayed repayment to alleviate the current financial pressure, but if they want to occupy the amount of funds to do other things in just a few tens of days of interest-free repayment period, they often lose more than they gain. "