How to manage too many credit cards

Question 1: What to do if there are too many credit cards, how to manage them. Many people are afraid that they will not be able to remember the repayment time of the credit cards when they apply for too many credit cards. Either they got confused or they forgot to repay, some people simply apply less or even not apply for a credit card. But what I want to teach you here is that it doesn’t matter how many credit cards you have, and it doesn’t matter if you forget. As long as we use mobile Internet tools skillfully, it will be easy. Play with your credit card and never have to worry about the repayment date. There are many such Internet products at present, and they can even record the information of each of your credit cards, bind the credit cards to your email address for issuance, and then issue them through the bank's email. You don't need to enter the repayment time and amount, and the background will do it. It will be completed automatically for you, and there will also be a fixed reminder function, which will notify you a few days before repayment. When we have many credit cards, many people actually don’t have time to pay attention to what kind of activities a certain bank will handle. Kahui is a software name that can tell you which banks in a shopping mall are doing activities and which ones you have. If you have a bank credit card, it will tell you what discounts are available. If you want to go out to eat or if you are tired of shopping, you can get discounts when you spend money. With these software, it will be much more convenient for you.

Question 2: How to manage too many credit cards? Although I have always emphasized that the number of credit cards depends on what you use them for. If you use it daily, then 3-5 credit cards are enough. If you have a lot of business and entertainment, you will need a relatively large number of credit cards with a relatively large limit. If it is for business turnover, then even more so. But in real life, there are still many friends who blindly pursue quantity and have ten or even twenty credit cards. With more credit cards, there are more worries. How to effectively manage credit cards has become a problem for many friends. In order to help you better manage credit cards, Card God has compiled simple methods for managing credit cards. Let’s take a look.

The repayment time can be changed

The first thing I want to tell you is that the repayment time of almost all credit cards can be changed. Once the repayment time is changed, the billing date will change accordingly. It will also change accordingly. Some banks can change it once every six months, and some can change it once a year. Therefore, if you want to facilitate management, you can change the repayment time of the corresponding bank card. Except for Agricultural Bank of China's credit cards, which are fixed after issuance and cannot be changed, credit cards from other banks can be changed.

Plan by the number of credit cards

Since the repayment time of a credit card can be changed, how to change the repayment time of a credit card? The first method for Rong Xiaomei is to change it according to the number of credit cards.

If you have 4 credit cards, the repayment time can be changed to one on the 5th, one on the 10th, one on the 15th, and so on. At the same time, you can also change the first two to be repaid on the second day of salary, and the last two to be repaid on the 7th day of salary. The specific settings should be based on personal habits.

Plan according to credit card limit

Suppose you have 4 cards, Card A is 50,000, Card B is 40,000, Card C is 30,000, and Card D is 20,000. So how to plan according to the amount?

You can return card A on the 1st, card B on the 10th, card E on the 10th, and card C on the 20th. If you play like this, it will be very clear, and at the same time, you will know at a glance that special days like the 1st, 10th, and 20th will be easier to remember, and generally it will not be too confusing. Of course, in the actual application process, everyone must make specific arrangements based on their own actual situation!

Summary: In fact, it seems very troublesome, but it is really very simple. Remember the steps, first classify the cards, then modify the billing time, and finally set the repayment date. This way it will be clear at a glance. In order to facilitate everyone's credit card management, Card God will release the "Credit Card Management Level" form on the official website for everyone to download. You can print it directly after downloading. Hope this can help friends.

Question 3: How to manage too many credit cards? 5 points can use credit card management tools such as KaNiu and 51 Butler to help

Question 4: How to manage many credit cards. There are more and more credit cards. , it is recommended to record it in a notebook in the order of billing date and repayment date, and use it reasonably.

Question 5: How to manage multiple credit cards from the same bank? Nowadays, with the popularity of credit cards, credit card consumption has become a living habit for many people, and it is not uncommon for one person to hold multiple credit cards, but how to manage multiple credit cards from the same bank? In this regard, I love cards I will give a detailed introduction to card friends for their reference. Many cardholders have multiple credit cards issued by the same bank, so that they can get more credit card benefits. Since different banks currently have different regulations on the bill settings of multiple credit cards from the same bank, cardholders have to apply for multiple credit cards. When paying for your credit card bill, ask carefully to avoid delaying the repayment deadline. At the same time, since there are many cards, the repayment time of each card is even more important. More importantly, each bank has different repayment regulations. Some can implement one-account repayment, and some implement one-card, one-repayment system. This is something cardholders should pay special attention to. Each bank also has its own different regulations for points redemption. Even the same bank has different regulations for different card types, so when applying for a card, you can ask carefully about points. Fellow cardholders hope that their credit cards can enjoy more benefits. Generally speaking, banks stipulate that as long as the name of the credit card holder is the same person, then when redeeming points, points from multiple cards can be redeemed together. This is also one of the reasons that attracts cardholders to apply for multiple credit cards together. . However, some banks stipulate that the points of certain card types cannot be redeemed together, that is, the points of other credit cards held by the cardholder in the bank cannot be redeemed with certain special cards, and can only be redeemed with special cards. In this way, points cannot be redeemed at the same time, which is not very cost-effective for cardholders. Therefore, when applying for a credit card, especially when you have multiple credit cards from the same person, you must pay attention to these two aspects. This will be of great help to you in managing multiple credit cards from the same person.

Question 6: Teach you how to manage multiple credit cards of your peers. Nowadays, many people have several credit cards, even several cards of their peers. Currently, different banks have different regulations on bill settings for multiple credit cards from the same bank. Therefore, cardholders should inquire carefully when applying for multiple credit card bills to avoid delaying the repayment deadline. Especially those who only have electronic bills, text messages and other non-paper bills, they should pay more attention to the contents of the bill. In addition to bills, various banks also have different repayment regulations. Some can implement one-account repayment, and some implement one-card, one-repayment system, so cardholders need to pay special attention. In terms of points redemption, each bank also has its own different regulations. Even the same bank has different regulations for different card types. You can learn more about it when applying for a card. Pay attention to the delivery time when combining bills. According to the regulations of many banks, if the cardholder has multiple credit cards of the bank, the bills will be delivered together, that is, the account details of multiple credit cards will all be displayed on the same bill. However, due to the detailed bill The last digit of the consumption card, time, and consumption unit will be displayed on the card, so cardholders do not have to worry about confusion in their accounts. If the cardholder made a special agreement on the repayment time and bill delivery time when applying for the first credit card, it is recommended that the cardholder also modify the bill delivery time when applying for multiple cards from the bank to avoid the bank's Bills are automatically delivered according to the agreed time for the credit card applied later, which affects the cardholder's repayment plan. For cardholders who receive text message bills, they should pay special attention to the content of the text message prompt. Some banks will only display one card among multiple cards when sending a text message. Therefore, after receiving the text message, do not wait for the remaining cards. bill, as it is likely that all dues will already be shown on one card. Consolidated bills may not necessarily consolidate repayments. After receiving the bill, the cardholder must of course repay it in time. Although most banks only have one repayment bill, the difference in repayment is relatively large. Some banks stipulate that if a cardholder holds multiple credit cards from the bank, he only needs to deposit the repayment amount into one card, and the repayment amount will default to the repayment amount of all the credit cards of that card. That is to say, if the cardholder pays through When repaying Lakala, you do not need to record the repayment amount of each credit card. You only need to swipe one of the cards and deposit the total repayment amount. If the cardholder has a balance in a certain card, he can directly use it to other cards next month. However, some banks implement the one-card-one-account principle, which means that although you receive a consolidated bill, when the cardholder repays the loan, he must make separate repayments according to the actual repayment amounts of different cards and cannot combine them. Repayments, so keep the repayment amount on each card in mind when making repayments. Especially cardholders who are accustomed to using Lakala must use each credit card to repay, so as not to delay the repayment time.

Generally speaking, banks stipulate that as long as the name of the credit card holder is the same person, then when redeeming points, points from multiple cards can be combined and redeemed. For example, all credit cards under Ping An can enjoy the benefits. Wanli Tong points redemption, so as long as you use the same Wanli Tong account name, you can enjoy Wanli Tong's point redemption services, which includes redemption of physical goods and recharge cards. However, some banks also stipulate that the points of certain card types cannot be redeemed together, that is, the cardholder's other credit cards held by the bank cannot be redeemed with certain special cards, and can only be redeemed with specific cards.

Question 7: How to manage multiple credit cards? Download a third-party platform similar to Alipay and China National Bank Online, which can be used for repayment, consumption, card management, etc. I hope it can help you

Question 8: How to manage multiple credit cards from the same bank? I love cards and I will give a detailed introduction to card friends for their reference. Many cardholders have multiple credit cards issued by the same bank, so that they can get more credit card benefits. Since different banks currently have different regulations on the bill settings of multiple credit cards from the same bank, cardholders have to apply for multiple credit cards. When paying for your credit card bill, ask carefully to avoid delaying the repayment deadline. At the same time, since there are many cards, the repayment time of each card is even more important. More importantly, each bank has different repayment regulations. Some can implement one-account repayment, and some implement one-card, one-repayment system. This is something cardholders should pay special attention to. Each bank has its own different regulations for points redemption. Even the same bank has different regulations for different card types, so when applying for a card, you can ask carefully about points. Fellow cardholders hope that their credit cards can enjoy more benefits. Generally speaking, banks stipulate that as long as the name of the credit card holder is the same person, then when redeeming points, points from multiple cards can be combined and redeemed. This is also one of the reasons why cardholders are attracted to apply for multiple credit cards together. However, some banks stipulate that the points of certain card types cannot be redeemed together, that is, the points of other credit cards held by the cardholder in the bank cannot be redeemed with certain special cards, and can only be redeemed with special cards. In this way, points cannot be redeemed at the same time, which is not very cost-effective for cardholders. Therefore, when applying for a credit card, especially when you have multiple credit cards from the same person, you must pay attention to these two aspects, which will be of great help to you in managing multiple credit cards from the same person.

Question 9: There are too many credit cards. What management tools do everyone use? The two most effective ways to apply for large credit cards

One of the most effective ways: Submit proof of property

For large credit cards, the choice of bank credit card does not matter. What matters is whether your property certificate complies with the bank's regulations.

Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.

Take Minsheng Bank as an example. Its large credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000). If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

But the bank does not accept the car title certificate.

Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.

The second most effective method: apply for a card with a card

Applying with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.

When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.

If you can’t get a recommendation card, you can only spend money to find someone.

To apply for a card or withdraw cash, you can contact me.

Question 10: How to manage your credit card well? Let me help you answer it. When you want to use your credit card to spend money, you should think more about the parents at home who are frugal and worry about yourself. You should send more money to your family. Spend some money and go back. Firstly, your parents will be happy, and secondly, your parents will be reluctant to spend more money. They will try their best to save the money for you. Also, think about the future? That all requires money, so start saving! Be generous when you need to spend money, and try to be frugal when there is no need to use money. The most important thing is to see whether you can exercise restraint. This is easier than quitting smoking, and it is much easier than quitting drugs.

How to manage multiple credit cards in order to effectively increase the limit

With the increasing popularity of online finance, China has become a big country in credit consumption, and the issuance of credit cards The number keeps rising. The widespread use of smartphones has also provided a fast and convenient channel for credit card payment.

With the development of the country's economy, people's consumption levels and concepts are constantly improving, and large-amount consumption has become the norm. The credit card limit has also become an aspect of concern to credit card users.

Many credit card users have two or more credit cards. If the credit limit can be greatly increased, the credit cards in their hands will surely play a greater role.

How can you manage the credit card in your hand so that the limit can be increased steadily and quickly?

1. First, check whether you have a co-branded credit card from a major merchant. If so, then you must use a co-branded card when you go to a co-branded merchant to make purchases. Because a co-branded card is a credit card jointly issued by the credit card issuer and the merchant through negotiation and reaching a certain agreement. In addition to providing discounts to the cardholder, it also allows the cardholder to establish a relationship with the merchant. An indirect connection.

Similar to issuing a merchant’s membership card through a bank. Therefore, when you use a merchant's co-branded credit card, you gain the trust of both the bank and the merchant. When considering the limit increase, the bank will combine your consumption records and the merchant's points, giving the cardholder double weight.

2. Commonly used credit cards to pay living expenses. Life payment bills have always been used by credit reporting systems as important credit records abroad, because the continuity of life payment can reveal a lot of information about the cardholder, such as utility bill payment records, which can determine whether you belong to the long-term Time-fixed consumer groups. Secondly, you can determine your spending power through your consumption situation. For example, your daily electricity bill is much higher than that of an ordinary household. Banks can use your spending power to determine your approximate income level, etc.! Thirdly, consistent on-time payment habits are also of great benefit to the accumulation of personal credit system! And paying by credit card and repaying it on time can leave a good impression on the bank.

Credit card limit increases are obtained by accumulating personal credit, so if multiple cards can develop good consumption habits, which is what we often call card-keeping habits, an increase in credit limit will become inevitable. .

How to manage multiple credit cards with four tips to help you once and for all

Having more credit cards is certainly a good thing. Many cards can meet the consumption needs of cardholders, but here comes the problem , it is quite troublesome to manage too many cards, and if one fails, everything will go wrong. Here are some tips for managing your credit card, so that you can do it once and for all.

First of all, you must have a credit card. I have 4 credit cards in my hand. I thought it was very good at first, but later I found that various situations occurred because I didn’t know how to manage them, and I often changed the repayment date. Damn, is there any good way that I can solve this problem once and for all?

Replying to the question of how to manage multiple credit cards, there are of course some methods, such as setting reminders for repayment dates and downloading mobile banking from each bank. However, the simplest method is to cancel unused credit cards. Get up and take a look.

1. Set the repayment date reminder

Many application software on mobile phones can set alarm reminders, such as 360 browser, Chinese perpetual calendar and other software support it, as long as you are in Set the monthly bill payment date above, and then remind you a few days in advance.

2. Download the mobile banking client

The advantage of downloading the mobile banking client is that you can automatically repay, and you can also check the credit card bill date, repayment amount, etc. at any time, which is very convenient .

3. Follow the credit card bank WeChat ID

This technique is actually similar to mobile banking. You can check bill date, quick repayment and other information on it, which is also very convenient.

4. Cancel credit cards that are infrequently used

If a credit card is not used frequently, annual fees will be charged. If it becomes a dormant card, it may also be reduced. It is recommended that you try your best to cancel it. It is best to cancel credit cards that are not commonly used. Under normal circumstances, three credit cards are enough to cope with various emergencies.

This ends the introduction on how to manage credit cards and how to manage credit card software. Have you found the information you need?