The Credit Card Center recommends that it is generally appropriate to apply for three credit cards. More is not always better. The recommended combination is: 2 cards from Bank A and 1 card from Bank B.

The first function is to select one of the credit cards of Bank A for daily consumption, which facilitates points management and gift redemption; the second function is to activate the automatic associated repayment function with the bank's credit card with the credit card limit of Bank A, eliminating the need to forget Trouble with repayment.

Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash flow to a certain extent; credit card has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Although banks emphasize the interest-free period when popularizing credit cards, most people do not understand the rules of the interest-free period very clearly, and thus spend a lot of money. Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = the remaining outstanding amount of the day * interest rate) . It is recommended that everyone repay the loan in full to avoid greater losses.

Every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you use the over-limit limit, it means you have to pay a high amount. over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

In daily life, we often encounter problems with capital turnover. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.