The more credit cards, the better. It is recommended that the number of cards should not exceed 8.

first, too many credit cards increase the management cost, and it is easy to be overdue if you don't pay attention.

second, too many credit cards will occupy the credit lines of other banks, resulting in low credit lines of other banks, and the cash withdrawal rate of this bank will be lower and lower.

and there are too many credit cards, how to streamline cancellation?

Some cardholders not only have a large number of credit cards in other banks, but also have multiple credit cards in the same bank.

I suggest that a bank only keep one credit card, because there are multiple credit cards in the same bank, and the credit line can be enjoyed * * *, but not * * *.

Problems needing attention when a bank has multiple credit cards

A bank has multiple credit cards to pay attention to:

First, independent repayment (independent account)

Second. * * * enjoy the credit line, but not * * * enjoy the credit line (occupy the credit line)

Third, increase the credit burden (after increasing the loan)

So how to cancel multiple credit cards of the same bank:

1. Cancel the virtual credit card. For example, ICBC, Bank of China, Shanghai Pudong Development Bank and Postal Savings Bank all have unbounded virtual cards. Unbounded card is a virtual credit card. Without a real card, it can only be bound to online channels for consumption.

if you already have a physical card, just cancel the virtual credit card.

2. If a bank has different types of cards, such as gold cards and platinum cards, and the limit is within 5,.

then I suggest you cancel your platinum card, because the limit is for * * *. If the limit is less than 5, yuan, you don't need to keep the platinum card. You can apply for a platinum card to get a higher limit later.

it's not that the higher the level of your card, the easier it is to raise the amount, but also the way you raise the card.

If the limit is more than 5,, it is recommended that you keep the Platinum Card, because many ordinary cards with a limit of more than 5, are not easy to raise the amount, while the Platinum Card has a higher limit, which will help to raise the amount later.

3. If your bank has several cards of the same level, I suggest you keep the one you usually use more.

or if you think the credit card is of good quality, there is a certain relationship between the credit card amount and the number of swipes. Usually, if you use more, it is easier to increase the dosage.

the above is based on the same situation of several credit cards and cannot be generalized.

in several credit cards, no matter what the situation of each credit card is, you should choose to withdraw money multiple times or it is easier to withdraw money. Related Q&A: How does Everbright Credit Card cancel its credit card?

Hello friend, how can I cancel the credit card of China Everbright Bank? 1 Telephone card cancellation. Call the customer service hotline of China Everbright Bank and press the tone to switch to manual service. Then tell the customer service that you need to cancel your credit card, and the customer service will tell you the operation steps. You can't cancel the card immediately by phone, it takes about one month to cancel the card. 2 dot pin card. With your ID card and the credit card that needs to be cancelled, go to the outlet of China Everbright Bank and fill out an application form for account cancellation. After submitting the application, ask about the approximate time of card cancellation. When it's time to cancel your card, remember to call to verify your credit card cancellation. Credit cards of China Everbright Bank can be sold through customer service hotlines and outlets. It usually takes one month or more to sell the cards. Remember to verify whether the cards are successfully sold. The cancelled credit card must be handled properly, because there is still your personal information in the credit card to prevent malicious theft.