Why do you apply for too many credit cards? Why do you apply for too many credit cards? Bad, I already have 8 credit cards. Let me tell you about my experience. Credit cards are not good. I already have 8 credit cards. Let me tell you about my experience.

I have been playing with credit cards for several years. From being a credit card novice at the beginning, I now have a credit limit of more than 200,000 yuan, plus a reserve fund of more than 1 million yuan. .

In fact, I have eight cards, which is not too many. I often see people with more than a dozen credit cards. I don’t know why. They like to apply for so many credit cards. Some people say that More is money, more is a good thing, but I don’t think so.

In fact, I think if you are not a professional credit card player, two or three is enough, because even if you have a credit limit of 20,000 on one card, you can basically have two or three. A limit of 50,000 to 60,000. With this quota of 50,000 to 60,000 yuan, you basically can't spend that much in a month. Generally speaking, if you do, you can spend 4,000 to 5,000 yuan in a month, which is already great.

If you have too many cards, it will be difficult to control your shopping desire. Whenever you go shopping or go online and see something you like, you will be tempted to buy it, because everyone who uses credit cards has the same feeling. , it’s as if the money is not his own, and he can no longer control his desire to buy. If all of us pay in cash, we will feel a little hesitant when paying. This is why people who use credit cards can easily become the source of debt.

Some people say that if you have more cards, you can participate in some bank activities and get gifts. In fact, I have participated in such activities, but many of these activities have conditions or time limits. I often go to grab movie tickets or Starbucks coffee coupons, but I have never been able to grab them. Therefore, most people apply for too many cards because they want to use them to get gifts, but I personally don’t recommend this.

And from the perspective of card maintenance, it is not easy to maintain if you have too many cards, and too many bank credit accounts are displayed on the credit report, which is also detrimental to future loans.

If you only have one or two credit cards to spend money on, you can choose one of the two to diversify your consumption. It is also very easy to increase the limit of these two cards.

And if you have too many cards and you go to spend money, you won’t know which card to use, and you won’t be able to diversify your consumption, so it’s harder to maintain a lot of cards than a few cards. This is the reason why it is difficult to raise the limit despite having many cards.

So if you are really going to spend money as an individual, it is not recommended to have too many credit cards for you. Two or three will be enough.

How many credits have you applied for without knowing it?