There is no limit on the number of credit cards at present. As long as the applicant's economic conditions meet the standards, it is ok to apply for several credit cards.

There is no limit to the number of cards, but the total credit line is limited. If the total amount reaches a certain value, it will not be approved, which is called rigid deduction of credit line.

1. Application conditions: 1, age 18 to 60, with full capacity for civil conduct;

2. Have a good credit record;

3. Have working income and repayment ability.

Second, the application materials:

1, identity information: copy of resident ID card or military officer's card;

2. Proof of work and income;

3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.

3. Credit card application method: 1, counter application: bring credit certificate to the counter to apply: the applicant needs to submit relatively complete asset certification documents, and submit the materials to the bank, which will be audited by the bank's background audit department; After approval, fill in relevant materials and identity information; Issue credit cards.

2. Online banking application: the applicant opens online banking with a personal savings card account and enters the bank official website; Enter the login password and verification code to enter the online banking page; Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking; After approval, credit cards will be issued.

3. Counter handling process: Go to the bank outlet where the credit card is handled, or ask the staff of the credit card center of the local bank to fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information; Submit copies of certain certificates and vouchers to the issuing bank; After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in; A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have his signature; The credit card processing process is basically completed, waiting for the issuance of credit cards.

How many credit cards can a person apply for at most?

There is no specific limit to the maximum number of credit cards a person can apply for.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, basic information, etc. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service.

2. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, but will make repayment on the billing date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which you can spend first and then repay; A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

The word "credit card" originally refers to the financial products introduced in this article. However, because there was no credit card in China before, or even any savings card with credit card function, the real credit card can only be called "debit card".

5. quasi-credit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

How many China bank credit cards can a person apply for?

One person can apply for more than 20 credit cards (excluding supplementary cards, business cards and abnormal status cards), but the same credit card cannot be applied repeatedly.

The above contents are for your reference. Please refer to the actual business regulations.

How many credit cards can a person handle?

There is no limit to the number of credit cards (debit cards) that a person can handle. Theoretically, one person can handle multiple credit cards (debit cards). But generally speaking, it is enough for a person to have about five credit cards (debit cards), because too many credit cards (debit cards) will not only increase the management difficulty and overdue risk, but also lead to an increase in personal debt ratio.

It is worth noting that applicants for credit cards (debit cards) should be 18 to 60 years old (foreigners are 25 to 60 years old), have certain economic ability and have a good credit record.

How many credit cards can a person handle at most?

Theoretically, you can get as many credit cards as you want. In fact, it is very difficult to handle more than 20 credit cards now, because the problem of excessive credit is very serious, and some banks have been fined for it. Therefore, the credit card credit policies of many banks now require that the number of cardholders and the total amount of credit should not exceed a certain proportion. The specific figures depend on everyone's qualifications. Some people can handle many credit cards, while others can't handle 10 cards.

When there was no restriction before, the payer met many gods with more than 20 credit cards in their hands. They all have very good jobs and rich financial resources. They do cards purely for fun and research, and finally they all want to enjoy service and roll wool. However, banks are also willing to accept such high-quality customers. After all, such people can almost be regarded as KOL in the niche field. They say a word and send an article, which is tens of thousands more than the bank.

Author: paying guy

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Source: Zhihu.

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At present, there is no limit on the number of credit cards of China Merchants Bank. You can apply for any number of cards, but some card types need to be paid. It is recommended that you read the relevant instructions carefully when applying.

There is no limit to how many credit cards a person can apply for, because the credit card quota under one ID card of a bank is shared, that is to say, you applied for two cards of a bank, one with a credit limit of 5000 and the other with a credit limit of 10000. 5000 cards are used up, and the other card can only be used up to 5000. 10000 cards are used up to 5000.

At present, many banks have the measure of "using cards to handle cards". Simply put, this bank will give you as many credit lines as other banks do. Basically, no matter how many cards you handle, the credit limit is basically the same, and the specific problems may be different because of your actual situation.

How many credit cards can a person handle?

The state has no very clear restrictions on the number and total amount of credit cards that individuals can apply for in commercial banks.

Theoretically, the number and amount of credit cards that a person can apply for are determined by commercial banks according to their 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 deduction" and avoid "excessive credit". The so-called "rigid deduction" principle means that when a bank determines the credit line for a customer, it must deduct the line he has obtained from other banks. For example, according to the applicant's qualifications, the bank can grant him a credit line of 50,000 yuan, but he already has a credit card with a credit line of 20,000 yuan in other banks, so the bank should grant the customer a credit line of no more than 30,000 yuan.

Extended data:

It is generally recommended to apply for 4 credit cards:

1, which is beneficial to individual comprehensive score.

The comprehensive score plays an important role in the success of applying for a credit card. The number of cards and credit records held by the applicant are also part of the comprehensive score.

2. The total amount is the most suitable.

In fact, only looking at the number of credit cards is not very comprehensive, but also depends on whether the total amount is applicable. In general, the total amount of four cards is the most suitable credit card limit for applicants. Without it, it is difficult to deal with emergencies, and it is easy to spend money like water to make ends meet.

In addition, the bank will evaluate the total amount of each applicant and make a "rigid deduction" when approving the amount. In other words, suppose your total amount is only 6.5438+million, and the credit card limit you have already held has reached 90,000, then if you apply for a card again, the amount will only be about 6.5438+million, which will not get higher and higher.

3. Flexible turnover and clever financial management

Four credit cards, four repayment dates, you can use credit for consumption at ordinary times, make maximum use of income such as salary for short-term investment and financial management, and then repay on the repayment date, so the interest earned is an "extra income".

I'm not sure whether the number of credit cards is suitable for me, because everyone's personal qualifications are different. Everyone should apply for a credit card according to their own actual situation, and don't exceed their affordability. Credit cards have an annual fee, and you need to pay it yourself.