With the popularity of credit cards, it is common to have multiple credit cards, but if there are more cards, you may not be able to take care of them. Some credit cards are more commonly used, while others may be used less. So many people are worried about whether using less credit cards will have an impact. In fact, there are many people who use credit cards less, which is not a big deal. Of course, it will have some influence more or less. Credit cards don't have to be used with multiple credit cards, and there is no hard and fast rule that they must be used frequently. Of course, for banks, the higher the frequency of using credit cards, the more fees they can earn from them, but the decision on whether to use them or not lies with the card owner himself. Many cardholders apply for credit cards for emergencies, so they still use them less when they have money to spend. Generally, they use them less every year just by swiping enough free annual fees. Although credit cards can enjoy an interest-free period, it is a wise choice to use them less for cardholders with weak self-control.

Of course, less use of credit cards also has an impact. 1. It is not easy to withdraw the amount: This is for sure. After all, the bank adjusts the credit limit irregularly according to the cardholder's card usage and credit standing. If you use the card frequently, you will repay it on time and develop a good habit of using the card, and the speed of withdrawing the amount will definitely be fast. On the contrary, credit cards are used less, so it is not so easy to withdraw the amount. 2. It may be reduced: if the credit card is used less, it will also reduce the comprehensive score of the cardholder. When the bank evaluates the cardholder's use of the card, it may feel that the cardholder's consumption demand does not match the credit card, especially if the large credit card is used less, it may be reduced. 3. You can't enjoy the credit card rights. In addition to overdraft consumption, most banks' credit cards also have exclusive rights and rich preferential activities. For example, the Bank of Communications Wal-Mart credit card can be used to pay back the card money when it is consumed at Wal-Mart, which can be used to cash in, and there are discounts for refueling on the fifth day of the Super Red Star. If you use the card less, you won't get these very practical benefits. To sum up, using credit cards less has advantages and disadvantages, which still depends on the cardholder's own needs.