Currently I have 6 credit cards and I want to cancel three of them. Which bank is the best to keep them?

In fact, all cards from the four major banks can be canceled. I don't think it's as useful as other small banks. I have 13 credit cards, and later canceled a few of them, so now I have 9. Each has its own function, Xingye (mainly used on Taobao), Guangfa (mainly used for overseas travel, 2 times the points earned by swiping cards abroad), Transportation (the most used card, probably because the limit is not high, So I'm trying to increase the limit now (the limit is now 14,000), Bank of China (mainly for cars, etc.), Bank of Shanghai (mainly for Meituan), CITIC Bank (the limit is 50,000, which feels the same as Bank of Shanghai). The uses of the credit cards conflict and I plan to cancel them), Ping An Bank (mainly used to watch Tencent Video VIP), Shanghai Pudong Development Bank (rarely used, occasionally buy milk tea), Industrial and Commercial Bank of China (rarely used). China Merchants Bank (can only be used when using visa abroad)

In fact, many people don’t know how to use credit cards, so they just spend a lot of money. Credit cards for me are used to save money. If you can't save money, just swipe a card. I think your Industrial and Commercial Bank of China and Bank of China can be canceled and have no use. It’s better to apply for cards from several other banks. Preferably one with a purpose.

I only have one card, from China Construction Bank, and I want to cancel it, but the process is quite difficult. If you keep the card and have no use for it, you have to use it three times to avoid the annual fee. I haven’t even used it three times. I have been living in the Gobi desert all year round and can’t spend any money.

Hello, Ma Penglong Financial Consultant will help you answer this question. I suggest you cancel the Bank of China, China Construction Bank and Communications. Let me briefly analyze these three for you.

Let’s talk about Jiaotong first. Jiaotong is a bank with the strictest risk control, and your limit is only 5,000 yuan, so it is very difficult to increase the limit. Although Jiaotong has Haoxiangdai, your card The fixed limit is too low, it is difficult to raise the limit, and it is difficult to obtain loans outside the card, so the first bank I suggest you cancel is Bank of Communications. Later, when your overall qualifications improve, you can apply for a Bank of Communications credit card again. It is possible If you place the card directly, it will be 20,000 to 30,000, or 30,000 to 50,000.

The next ones to cancel are China Construction Bank and Bank of China. First of all, the limits of these two cards are not high, neither exceeds 10,000 yuan. In addition, it is difficult for these two banks to increase the limit. , Bank of China can only increase the limit once a year, and it requires large amounts of assets and large amounts of turnover. If you often go abroad, you can use a Bank of China card to increase the limit faster, and Bank of China’s overseas consumption cashback is also very impressive. If you are not satisfied with this, it is recommended that you log out directly. There is also China Construction Bank, China Construction Bank. Although the zero-hour limit is very large, it is difficult to increase the fixed limit unless you have a car loan or a house loan or a large-denomination certificate of deposit, etc. in China Construction Bank. Not only will your credit card The fixed limit increases quickly, and China Construction Bank has a loan called Quick Loan. The maximum credit limit is 300,000. The system automatically invites credit whitelists and does not require any collateral or review. But without what I said, China Construction Bank must also be cancelled.

Okay, let’s talk about the remaining banks. First of all, it is China CITIC Bank. Although China CITIC Bank only has a quota of 5,000 yuan, although it is not high, CITIC Bank has an advantage. That is, you can increase the amount in a curve. You can directly increase the amount in a curve of more than three months or about six months. There is no problem in increasing the amount in a curve to more than 20,000 to 30,000. More importantly, CITIC Bank has Dreams Come True, Jinhe Xinkuai, Moreover, these two quotas are very easy to withdraw, the highest is 500,000, and it is generally very easy to withdraw more than 10, 200,000, so it is recommended that CITIC Bank not cancel.

Next is Industrial and Commercial Bank of China. Industrial and Commercial Bank of China. If you have a mortgage, it is a plus for credit card limit increase, but maybe you haven’t understood the system of ICBC yet. If you do, 5,000 It is very easy to withdraw 50,000, 100,000 yuan, or even 200,000 yuan. I suggest you read the article I wrote before about Industrial and Commercial Bank of China. Moreover, ICBC credit cards have many benefits, and the most important thing is that they can waive the annual fee. .

The last card you want to keep is Minsheng Bank. The reason is very simple. Minsheng Bank has the highest limit among all your cards, and it can temporarily support you. Moreover, Minsheng Bank is relatively easy to increase the limit. Fast, and more importantly, Minsheng Bank also offers loans behind the card, and the maximum credit limit is 300,000, so it is recommended that you keep this card.

To sum up, you should cancel the credit cards of Bank of Communications, Bank of China, and China Construction Bank, and you should keep the credit cards of ICBC, CITIC Bank, and Minsheng Bank. , Okay, that’s it for today’s answer. For more credit card knowledge, please pay attention, said Ma Penglong Finance.

If you can get a quota of 9100 from Bank of China, it means that you have very good job qualifications, or you have a lot of assets in Bank of China. Bank of China can get 9,100, and other banks are expected to get at least 20,000, but the result is indeed 5,000 or 6,000, which means that you did not use the right channel to apply for the card, or there was a problem when filling in and submitting the information, resulting in such a low limit.

ICBC has a mortgage loan, but it only provides a limit of 5,000, which shows that the mortgage loan is not very large. Another situation is that the repayment months are short. ICBC invites you and it will be done immediately. If ICBC's loan limit is not more than 500,000, or you don't want to put all your funds in ICBC for maintenance, ICBC can cancel it. Because ICBC values ??funds and does not have a large amount of funds to play with, the quota is also limited.

CCB is also one of the four major state-owned banks. If you do not have a mortgage, car loan or other loan with CCB, it is not recommended to retain it. The four major banks are independent and value assets.

If you can get a quota of 9100 from Bank of China, it means that you have very good job qualifications, or you have a lot of assets in Bank of China. Bank of China can get 9,100, and other banks are expected to get at least 20,000, but the result is indeed 5,000 or 6,000, which means that you did not use the right channel to apply for the card, or there was a problem when filling in and submitting the information, resulting in such a low limit.

ICBC has a mortgage loan, but it only provides a limit of 5,000, which shows that the mortgage loan is not very large. Another situation is that the repayment months are short. ICBC invites you and it will be done immediately. If ICBC's loan limit is not more than 500,000, or you don't want to put all your funds in ICBC for maintenance, ICBC can cancel it. Because ICBC values ??funds and does not have a large amount of funds to play with, the quota is also limited.

CITIC and Communications are recommended to be retained. Commercial banks increase their quotas relatively quickly, and at the same time, their back-end loans are very high. With a fixed quota of 50,000, they can provide about 150,000 back-end loans. If the assets are there, it will be easier to lift them up.

Minsheng Bank gave 20,000 yuan, which shows that the correct method was used when applying. At this stage, we are mainly supporting people's livelihood, and it is very easy and fast to increase the limit.

My suggestions are divided into two types:

If funds are tight at this stage, first cancel the ones where it is difficult to increase the limit and the speed of increase is slow, such as ICBC and China Construction Bank. After the quotas of other banks are increased, cancel the Bank of China.

If funds are not tight, keep only Bank of China and Minsheng and cancel all others. Then take charge of Bank of China and Minsheng and see which one raises the quota faster and higher. After half a year, go to the highest bank. Apply for a card. Half a year after joining, the Minsheng card reached 30,000. You can use the Minsheng card to apply for a card. The limit of the card is at least 30,00. If you are not in a hurry to use the funds, you can continue to support it. If the fund reaches more than 50,000, you can apply for a card with the card. At that time, the limit will be higher. It saves a lot of time and energy than raising it slowly from 5000.

New Ant Finance and Business Academy Wealth Consultants focus on financial business consulting, financing consulting, real estate investment consulting, credit card limit increase guidance, etc. Welcome to pay attention and share useful information every day!

It is recommended to keep an ICBC credit card and the one with the longest time!

1: ICBC’s violent quota increase is not just a casual talk!

But first you have to meet his conditions for raising the limit (deposit! Star rating!)

You have a mortgage from ICBC (if you just bought a house, it will not be so easy to raise the limit) : The debt is too high!)

If I want to withdraw money from ICBC quickly, just save it! Swish, brush, brush!

2 The longest one: it must not be overdue, and there is no minimum repayment!

(Any bank that applies for a credit card will look at a personal credit report and big data, so the source of the credit report is the repayment record! The longer the time and the repayment is good, the higher the credit score will be.

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What about big data: Online loans! Don’t touch it!

The following is my personal opinion: If you want to apply for a higher limit (reduce debt, use a good card, it won’t take long! Those with lower quotas will be cancelled! Those with 20,000 yuan can be kept, and those with industrial and commercial credits will be canceled if they don’t have a deposit or a star rating (it will not be withdrawn if it is not required for a short period of time)

If you keep those with 20,000 yuan and the longest time! All cards are less than one year old, so just use them as you like and sell whatever you can (the one that has been around the longest will do)

CITIC Platinum Card (sold, sold, sold) 480 years Fee! ! It’s still useless

Hello, you have six credit cards, keep three and cancel three. First, you need to increase the credit limit. If it is easier to increase your quota during use, I think you can stay. Although the current quota is not high, if you can increase the quota, the future quota will definitely not be very low, and it will be more convenient to use money in the future. , the credit card can provide discounts and convenience, and this credit card can also be retained. If you have a car, it is recommended that you buy a Minsheng car card and a CCB ETC card. Third, if the credit card points are valuable, many people can also consider it. Ignore this problem. Points are valuable, which is another way for banks to give you discounts. If you have a Walmart supermarket nearby, it is recommended that you keep a Walmart co-branded card for transportation. Credit cards also need to be guarded against this risk. Where is it? Many people don’t know that most credit cards have a grace period of more than three days and will not be on the credit blacklist. If you have one bank, it is recommended that you give up. It’s not that ICBC is bad, but from a consumer perspective, there are risks that need to be paid attention to. So keep CCB, Bank of Communications, and Minsheng. What I said may not be suitable for you, but choose according to the method I said, and you will definitely find the one that suits you. I wish you a happy card use!

It is recommended to keep an ICBC credit card. Too many credit cards are also a burden. I have used CCB credit cards, and they are incomparable with ICBC credit cards. I will compare them in the following aspects:

1. ICBC’s credit card repayment cycle is longer than CCB’s. 2. ICBC’s credit card does not need to be replaced for at least 5 years, while CCB’s credit card needs to be replaced every three years. The card is sent by registered mail to the local post office from China Construction Bank, and the post office will notify you to pick up the card. ICBC never issues cards through the post office, but ICBC sends people to deliver the card to your door.

3. ICBC issues credit cards for review. The procedures are more complicated and strict, while China Construction Bank is more casual, and there are people selling credit cards at the supermarket entrance.

So it is recommended that no matter how many credit cards you keep, ICBC credit cards must be the first choice. Keep the ICBC credit cards.

I personally think that keeping all six credit cards may be the wisest choice. The details are as follows:

First of all, these six credit cards have been fully displayed on your credit record. Here, if there is a new need to use the card after cancellation, then reapplying for a credit card will add an additional credit card application record to the credit report, which is contrary to the original intention of canceling the card.

Secondly, each bank's credit card has its own special promotions. It would be a very good choice to keep it for occasional "pick-ups". After all, you can save real money!

Finally, for some customers who have canceled their credit cards, they may encounter considerable obstacles in re-applying for credit cards in the future, so canceling their accounts may only add to the obstacles!

Another reminder, pay attention to the card charging policy. If you don’t use your credit card and it will incur annual fees and other fees, it is recommended to cancel it to prevent forgetting the annual fee, resulting in arrears, affecting your credit report, and the loss outweighs the gain.

I am Xing Jian, a young apprentice who is on his way to becoming a private banker. I share my reading notes and financial management knowledge!

Cancel transportation, CITIC Platinum Card, and industrial and commercial cards.

First of all, credit card users generally care about the limit. The transportation limit is low, and the limit increase is low. The credit limit is so low, it can be seen whether you use it or not.

Furthermore, the limit of platinum cards is usually more than 30,000, but the limit provided by CITIC is rare. Moreover, the Platinum Card has an annual fee, which is non-deductible. Generally, banks can only waive the fee if you spend more than 200,000, but it will not be reduced in the first year.

Finally, ICBC credit cards generally have lower limits, but after adding a car or real estate, the amount is usually large. Here, the ICBC credit card can be canceled. The card should be processed before the mortgage loan is applied for or the mortgage loan cannot be repaid. If there is no additional real estate information, you can go to the bank to apply for a new one with the real estate information half a year or a year after the cancellation. Basically, it is a large amount.

As for construction, it is not easy to apply for Bank of China and the four major banks. It has many uses in life and you can stay.

The ICBC and Bank of China from the four major banks must be kept. Credit cards from the four major banks are difficult to apply for, and the remaining ones will be left with a credit card with a large limit.

One month Consequences of applying for 6 credit cards: I just wish I didn’t know it earlier

Many novices apply for credit cards for the first time and like to catch up with others, so they apply for 6 credit cards at the same time within a month. If it is not approved, other banks will approve it, so it is unlikely that all 6 banks will reject the card. In fact, applying for a card by casting a wide net like this can indeed increase the chance of getting the card, but it will have some negative effects.

1. The credit report affects the approval

The bank will check the applicant's credit report when approving the card, and will leave a query record of "credit card approval" on the credit report. If you apply for credit cards from 6 banks at the same time in one month, you will have 6 credit card approval query records, which can easily mess up your credit score.

If you apply for a credit card in this case, it will affect the judgment of individual banks, because ordinary people generally have very few credit reports, so they may refuse to apply for a card to avoid risks.

2. The credit limit will not be very high

Even if you are lucky enough to get a card, you will find that the credit limit is generally not very high, there are thousands, or even 10,000, but at most No more than 20,000 yuan.

The reason is very simple. The credit card limit and card opening status applied for will be recorded in the loan information in the credit report. When a bank approves a credit card, as long as it finds other card information in your credit report, it will If you are unable to provide sufficient proof of financial ability, you will usually refer to the previous card limit when applying for a card and granting credit. Especially if the credit check is too expensive, you will not be given a too high limit.

3. Inconvenient management makes it easy to overdue

Even if all 6 credit cards you applied for are applied for, the statement dates, repayment dates, and annual fees of different banks are different.

If there is no proper management method, it is easy to get them mixed up, especially if you remember the wrong repayment date and fail to repay the credit card that should be paid. It is not fun to affect your credit report, and you have to wait for repayment. It will be eliminated after 5 years, which is not cost-effective.

Summary: Applying for 6 credit cards in one month is not a good thing. It is recommended that you apply one by one first. After all, credit cards are all about quality, not quantity. It is much better to cultivate 2~3 cards intensively than to cultivate 6 cards at the same time.

Is 6 credit cards per person considered too many?

Depending on the purpose of consumption, it is enough for ordinary people to hold 2-3 cards, making it easy to manage bill repayments. If you have six cards, you can allocate the purpose of the cards. I think it is best to keep a Visa or MasterCard card for overseas use, a bank with low installment rates, and a card with gas discounts/cash withdrawal fees.

For the rest, it depends on your needs. As long as you can manage it, six cards is not too much. Anyway, I don’t think more cards are better, but the limit is better to be as large as possible, which can be used for financial emergencies, such as earthquake disasters. The epidemic and other things can be temporarily overcome. . Of course, you have to pay it back after you use it, so do what you can.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

Will having 6 credit cards affect the mortgage loan?

Having 6 credit cards will affect the mortgage loan. After all, having 6 credit cards means the borrower has a heavier burden. At this time, the bank that applies for the mortgage loan will give full consideration to the loan. If a person's repayment ability is insufficient, the bank is very likely to reject the mortgage loan. Therefore, try not to have so many credit cards in normal times.

If the user has not been overdue in using 6 credit cards and the flow rate submitted to the bank is good, then the chance of the mortgage loan being approved will increase. If the credit card is overdue and has already been reported to the credit bureau, the possibility of approval will become smaller.

Don’t have more than 3 credit cards in daily life, mainly because more cards bring a burden to management. If you remember the wrong repayment date, it is very likely that the payment will be overdue. payment situation. Penalty interest will accrue after overdue repayment and overdue records will be uploaded to the credit reference center.

When applying for a home loan, it is best for users to go to the bank for consultation in advance, so that they can know the loan conditions and loan interest rates. Generally, lower loan interest rates allow users to pay less interest. However, only high-quality customers of the bank can get interest rate discounts. To become a high-quality customer generally requires the purchase of large-amount financial products.

That’s it for the introduction of the six credit cards.