However, when handling credit cards, it is best to keep the number of credit cards in a bank at 1-2, and don't handle too many credit cards. Too many cards are easy to forget to repay, and there will be an annual fee.
How many credit cards can I handle?
There is no limit to the number of credit cards you can handle now, so you can handle them at will. The premise is that your credit status is good. However, if you apply for the credit card of China Everbright Bank, if it has surpassed the credit cards of the other six banks, you will generally not approve the card. As long as there are card issuers, you can apply for credit cards, so the upper limit of credit cards is the number of card issuers.
Can credit cards be deferred?
Credit card users should know that each credit card has its own credit card repayment date, so users need to repay on the repayment date after using the credit card. Once the repayment date is exceeded, the credit card may be overdue.
Although credit cards need to be repaid on the repayment date, many banks forget to repay because of the special circumstances of users, and they also specially set a grace period for repayment. As long as the user repays within this grace period, it will not be regarded as overdue repayment. At present, the grace period for repayment of most banks is 3 days, which means that users are not overdue as long as they repay within 3 days after the repayment date.
But at present, not all banks have a grace period for repayment, and some banks have no grace period for credit card repayment. As long as the user fails to repay after the repayment date, it is overdue, so the user must know exactly how long the repayment grace period of his credit card belongs to, so as not to cause overdue repayment without knowing it.
Some users may not be able to pay off their credit card debts during the grace period of repayment, and want to apply to the bank for deferred repayment at this time. Can banks generally apply for a one-month extension of repayment?
If the credit card cannot be returned, you can apply to the bank for deferred repayment, but whether you can apply for 1 month deferred repayment depends on the bank's audit results. The bank will apply for review according to the user's usual repayment habits. Generally speaking, as long as the user's previous repayment habits are very good, and it is the first time that he can't repay within the specified time, it is possible to apply for 1 month deferred repayment. However, if the user's usual repayment habits are not very good,
In fact, when users can't pay off their debts, they can also apply for deferred repayment or credit card installment repayment. Generally, after applying for credit card installment repayment, the first installment repayment will also arrive at the next repayment date, so they only need to pay a certain installment fee, which is not very high.