Some netizens came to consult and said that their ICBC credit card was rejected. The reason turned out to be multi-credit, but there were only five credit cards in their own names. Why would they be multi-credit? Although many banks that handle credit cards are sensitive to multi-head credit granting, the number of credit cards does not necessarily measure the standard of multi-head credit granting. Let's take a look. 1. How many credit cards will grant multiple credits? Credit card multi-head credit mainly depends on the number of credit card issuing banks, not just the number of credit cards. For example, someone has set up credit cards for four banks, namely Industrial and Commercial Bank of China, China Merchants Bank, Minsheng Bank and China Construction Bank, and there are more than three credit institutions. This is a typical multi-head credit; However, if only three ICBC credit cards or three China Merchants Bank credit cards are issued, there will be only one credit institution. Even if there are three credit cards, this situation is not a multi-head credit.

2. what should I do with multiple credit cards? There are more than three credit banks, and there is only one solution to this problem, that is, to reduce the number of card-issuing banks by canceling credit cards. And this cancellation does not only refer to the cancellation of the card, but also the cancellation of the account. Credit card cancellation should not be blind. It is best to follow certain rules. First, based on your own needs, cancel the credit cards of banks that have not been used for a long time, and then consider banks with strict risk control, such as Guangfa Bank, Bank of Communications and Ping An Bank. It is difficult for these banks to raise the amount, and it is easy to trigger the risk control point, so people are not at ease when using the cards. To sum up, a few credit cards may not necessarily be multi-credit, mainly depending on which banks grant credit to these credit cards.