There are many benefits to having multiple credit cards, such as going out to eat or shopping. You can use your credit card to get discounts or exemptions, which can be considered a small cost-saving and face-saving for card friends who are budget conscious.

How can we have multiple credit cards? The order of applying for a card plays a very important role.

As a white householder, a novice. The first thing we need to apply for is Industrial and Commercial Bank of China, Agricultural Bank of China, and China Merchants Bank. These banks are simple to apply for and the requirements are not high. It's very good for breaking white spots.

1. As the boss of the bank, ICBC is more convenient to apply for a card. It's easy to get stuck. As long as you apply for a savings card, and then buy some financial management products, if you want a higher limit, then swipe 5 stars and 6 stars. If you reach five stars, you can basically spend 20,000 on the card. And if you use ICBC’s credit card to apply for a card, commercial banks will charge 2 to 3 times the price.

2. Agricultural Bank of China is also famous for its quick quota withdrawals among banks. Applying for a card is also very simple. You have a savings card, do some financial management, and do some business. After placing the card, you can use the 6+1 rule for the first increase, and the 3+1 rule for the second and subsequent increases. If you use the card maintenance limit and apply for a credit card from another bank, you will get a good limit.

3. China Merchants Bank does not support card application. However, it is easy for him to apply for a card for a white account, and he can also raise his credit quickly, so he has to do it first.

The above banks are very good choices as breakers. Have the Industrial and Commercial Bank of China or the Agricultural Bank of China to protect your health. It is quite simple for us to apply for other banks. Next, let’s take a look at the order of other banks.

4. Among the major joint-stock banks, it is relatively easy to increase the limit of banks: Guangfa, Minsheng, Everbright, and Shanghai Pudong Development Bank. It is recommended to give priority to the application. The loans behind these banks are very powerful.

5. Those who care about the number of card holders and the total credit limit: state-owned banks China Construction Bank, Bank of China, commercial banks such as Hua Xia Bank and Bank of Communications; Industrial Bank are all more concerned about the number of card holders. Applying for these cards cannot Too far back.

6. Banks that like to refer to other banks’ credit lines and where applying for a card is not difficult: CITIC, Ping An, Rural Commercial Bank and other banks, local banks, and small banks, all of which like to refer to other banks’ credit limits, are suitable for those who have Apply for several high-limit cards later. However, if you go to local banks, you should not handle so many transactions if it is not absolutely necessary.

In fact, the more credit cards the better, it depends on your own spending power. Any bank credit with a high limit is easy to use. If you are not a card player, I suggest that the average individual has five A credit card of no more than 100 yuan is enough. Because the more cards there are, the harder it is to manage them. If you forget to repay a card and it becomes overdue, the consequences will be very bad.

I wonder how many credit cards you have now? Comments for more than 5 photos are welcome.

>>Click here to apply for a credit card online, the limit is high and the card is issued quickly