I currently have more than a dozen credit cards. When I make a purchase, I always swipe one of the cards. In this way, I have to pay off the credit cards several times a month. I need to have a special record of the billing date and repayment of each card. Day, it’s more troublesome. Therefore, it is recommended to apply for as few credit cards as possible, only have two or three, and gradually increase the limit through good use over a long period of time. Much better than a dozen credit cards with low limits.

Credit cards are quite convenient. You don’t need to carry too much money when you go out. Your points can be redeemed for gifts and you can participate in bank incentive activities. etc. But you must remember: consume in moderation and within your means.