There is no need to have too many credit cards. Credit cards always have to pay an annual fee, or they can be exempted after several swipes. If you have too many credit cards and forget to pay the annual fee, it will affect your credit and even the loan.

Bank loans consider your repayment ability, not your ability to apply for credit cards, so you should ensure that each credit card is repaid in full and on time, so as not to affect your credit.