The state does not have very clear restrictions on the number and total amount of credit cards that individuals can apply for at commercial banks.

Theoretically, the number and limit of credit cards a person may apply for are determined by each commercial bank based on its own credit principles and risk assessment policies.

According to the "Measures", when issuing credit cards to customers, commercial banks should follow the principle of "rigid deductions" and avoid "exceeding credit needs." The so-called "rigid deduction" principle means that when a bank determines a credit limit for a customer, it must deduct the credit limit it has obtained from other banks. For example, if a bank can grant a credit card applicant a credit limit of 50,000 yuan based on his qualifications, but he already has a credit card with a limit of 20,000 yuan in another bank, then the bank should grant the customer a credit limit of no more than 30,000 yuan. .

Extended information:

It is generally recommended to apply for 4 credit cards:

1. It is beneficial to the individual’s overall score

Comprehensive score It plays a big factor in whether you can successfully apply for a credit card. The applicant's number of cards held and credit record are also part of the comprehensive score.

2. The total limit is the most appropriate

In fact, it is not comprehensive just to look at the number of credit cards. It also depends on whether the total limit is applicable. Under normal circumstances, the total limit of 4 cards is the most suitable credit card limit for applicants. If it is less, it will be difficult to cope with emergencies, and if it is too much, it will be easy to spend money like water to make ends meet.

In addition, the bank will evaluate each applicant's total quota and make a "rigid deduction" when approving the quota. That is to say, assuming that your total quota is only 100,000, you have The credit card limit you hold has already reached 90,000, so if you apply for a new card, the limit will only be about 10,000, and it will not get higher and higher.

3. Flexible turnover and clever financial management

With four credit cards and four repayment dates, you can usually use credit for consumption, and maximize short-term investment and financial management with salary and other income. The repayment is made on the repayment date, so the interest earned is an "extra income".

You are not sure whether the number of credit cards is suitable for you, because everyone’s personal qualifications are different. You should apply for credit cards based on your actual situation, and do not go beyond what you can afford. Apply for a credit card. Credit cards all have annual fees, which you need to pay yourself.

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