Generally speaking, it is most suitable for an individual to have 4 credit cards. But it also depends on the individual's economic income, as follows:

1. For newly graduated students whose economic income is not very high, only one credit card is enough, and at the same time, they can slowly develop their personal Credit reference will help you apply for loans and other credit cards in the future.

2. After your income and job are stable, you can apply for 2-3 credit cards, and conduct investment and financial management, loans to buy houses and cars, etc. according to your income.

3. After you have a car and a house, you can apply for 4 loans, but not more than 4. If you exceed 4, it will affect your application for other loans and credit cards. Four credit cards are very beneficial to an individual's overall score, but after more than four, the overall score will decline. Cardholders can use 4 credit cards to transfer funds and manage their finances smartly.