For the average person, three credit cards are enough. Some people may say that they have a relatively large demand for funds, but you have to know that the more credit cards, the better the "credit". On the contrary, it may hold you back.

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Why is it best to hold 3 credit cards? Generally speaking, we do not encourage applying for many credit cards. For normal office workers, each person has It is enough to have 2 to 3 credit cards in it. It is best for you to concentrate your credit cards on a few cards. This can ensure that you can repay the money on time and in full. This will not only ensure your good credit score, but also benefit you. Increase in credit card limit. You have to know that once you enter the bank's credit blacklist, it will be very difficult to get out.

For other people who need a large amount of funds, 3 credit cards may not be enough. After all, financing channels are difficult to find. Many people directly use cards to solve the temporary shortage of funds. These people have You may hold ten to eight credit cards. Although it can solve the temporary capital turnover problem, over time the bank will also control your risk. In the end, it is you who loses more than you gain.

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The most common problem with credit cards is "over-consumption", which will eventually cause many people to lose money, which is what we call "using the card to support" card" situation. For these people, they can hide for a while but not for a lifetime. As long as the bank starts to carry out risk control, not only will your credit be "unprotected", but even your credit limit will be difficult to maintain as high as before. Therefore, we do not recommend using credit cards in this way. The number of credit cards must also be subject to appropriate conditions, so that the trickle of water can flow.

Some people think that the more credit cards you apply for, the higher your credit will be. This idea is wrong. The bank’s credit evaluation is not based on the number of credit cards you hold. It depends on your usual use of credit cards. If you apply for ten credit cards but never use them once, the bank will not increase your credit limit. Instead of applying for multiple credit cards, it is better to choose the few you need. Not only can you deal with emergencies, but you can also quickly increase the credit limit, and your impression at the bank will be better.

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You need to be careful when using credit cards. You may be overdue if you are not careful. It’s okay if you find out in time. Once you have If multiple credit cards are overdue at the same time, then the bank's credit to you will be greatly reduced. If you want to go to the bank to handle business in the future, you will be "treated differently". You will definitely not be able to handle it as quickly as those with good credit.