Mr. Li had two credit cards on hand, but the credit limit was not high, so he applied for a credit card from a bank. Who knew that the credit limit was not as good as the two credit cards he had. This really made him depressed. He consulted at Yidai Credit Card Center: Why is the credit limit I applied for not high?

Once they start using credit cards, most people are not satisfied with just one credit card. There is also a view that having more credit cards means more banks that accept cardholders. However, having too many credit cards will affect your credit limit.

The borrower’s economic income determines his repayment ability. The more credit cards you have, the less likely you are to repay them. To use a simple analogy, Mr. Li's monthly salary income is 10,000 yuan. He has two original credits, one with a credit limit of 10,000 yuan, and one credit card with a credit limit of 8,000 yuan. For the credit card he is applying for again, the bank How much credit do you dare to grant?

Therefore, having too many credit cards will also affect your credit limit. You may wish to only use one or two credit cards, make more purchases with the cards, repay the balance on time, and slowly accumulate good personal credit, so that you can gradually increase the credit card limit.