Usually one is enough. If you want to go abroad, it is recommended to prepare two more cards. First of all, you should prepare different bank credit cards, because sometimes there are problems in the maintenance of the banking system, you can use another bank card. There are also international organizations such as VISA, MasterCard and JCB. When you leave the country, you'd better bring more credit cards from different international organizations in case of emergency.

How many credit cards are most suitable?

In general, it is more appropriate to apply for 1-4 credit cards, and the specific number of credit cards can be determined according to your own situation.

If you are an ordinary student or an office worker, it is enough to apply for a 1-2 credit card;

If you usually need or manage money, you can apply for 3-4.

Apply for 1-4 credit cards from different banks, and the benefits that some credit cards can enjoy can basically be included. Moreover, using credit cards can also increase the scores of financial institutions. If you need to apply for mortgage or car loan, you can apply for a credit card for a period of time first.

Extended data:

Credit card application:

If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank running water and payroll) and other relevant information to the counter of the offline business outlet of the selected bank, ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then wait patiently for the bank to review.

After the bank's approval is completed, it will naturally send a message to inform the customer. If approved, it will make a card for the customer and then mail the prepared card to the customer. Customers can activate the card and use it after receiving it.

Of course, in addition to applying at the outlets, customers can also apply directly at the bank official website, the mobile banking client or the credit card app. However, it should be noted that if you apply for a bank's credit card online for the first time, you may have to go to the bank for an interview afterwards.

Customers should pay attention to keep the phone open after submitting their card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if you don't receive the call in time, it may have a certain impact on the card approval.

Credit card withdrawal:

When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:

First, more credit card spending.

If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.

Second, properly handle the staging.

Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.

Third, make a good record of using the card.

If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.

Too many credit cards is not good: just one credit card. Is this sentence reasonable?

1. This doesn't make sense.

2. Different credit cards have different functions, and the total amount of multiple credit cards will be high. Of course, not the more the better. It should be within the scope of its own management, and it will be troublesome if it is overdue. So when you apply for a credit card, you must match your actual needs. Generally, the amount of a credit card is enough for your daily consumption. However, in case of special circumstances such as banking system maintenance, you can prepare another credit card from another bank.

If you can control yourself, there are two or three. Because, at the time of credit consumption, I have already thought about what money to pay back. However, for blind consumers, they spend money and then try to find the money. In this case, it will be overdue sooner or later, and there will be credit problems sooner or later. Don't say more than one, even one.

1. Reasons for handling credit cards: Credit cards are the money spent today and tomorrow. For some people who spend a lot of money, if the credit card limit is only a few thousand, it may not meet the demand. Many people who do business have applied for credit cards for the purpose of working capital. And if the credit card can't be withdrawn, there is no need to keep it in your hand. It is difficult for many banks to withdraw the credit card limit. An old card that has been used for several years may have a limit of only a few thousand yuan, so it is better not to apply for a credit card that is easy to withdraw. Therefore, if you have such a credit card, the limit is already low, so you should cancel it as soon as possible.

More and more people apply for credit cards, but the more credit cards they apply for, the better. If you apply for a credit card, if it has not been activated, you have to pay an annual fee, which is not cost-effective. It will cost a lot of money after one year. Once the annual fee is overdue, it will affect your personal credit and leave you with a stain. So, a credit card is enough. Don't blindly handle too many credit cards. If you have an activated credit card, you'd better cancel it!

If you apply for multiple credit cards from the same bank, your credit limit will not increase, and each credit card has an annual fee, which will not only increase your credit limit, but also cost more money. Actually, it's not very cost-effective. 4. Using a credit card with a lower amount and less preferential activities can not only be used in advance, but also get certain benefits or rights after spending a certain number of times, but the benefits and rights of each bank are different. If you apply for a bank credit card and find that your rights and interests are few, cancel it. It's easy to apply for a credit card, but many people don't want to bother. Leave some useless cards in your hand. You don't need many credit cards. Leave only credit cards that are useful to you. Otherwise, it is likely to have some impact on you, and even affect your personal credit information.

A credit card is enough. Let's stop here.