The reason why Agricultural Bank stipulates that each customer can handle up to 3 debit cards and 3 credit cards is mainly due to the following considerations:
1. Managing risk: Debit cards and credit cards are personal financial tools. If a customer has too many bank cards, it is difficult for banks to effectively supervise their funds, thus increasing the risk of funds.
2. Improve service quality: Banks need to invest a certain amount of manpower and material resources when providing services to customers. If customers have too many bank cards, banks need to allocate more resources to maintain these accounts, which may reduce the service quality of banks.
3. Protect customers' interests: If customers have too many bank cards, it may increase the difficulty and cost of account management, and may be used by criminals to commit fraud and other illegal acts, thus bringing losses to customers.
It should be noted that when the Agricultural Bank handles multiple bank cards for customers, it will comprehensively evaluate the personal credit status of customers. If the customer's credit rating is low, it may affect the number and amount of bank cards.