Generally speaking, it is more appropriate for a user to have 2-3 credit cards. If there are too many credit cards, it will easily lead to users' income not reaching the consumption level, thus affecting their normal life. At the same time, too many credit cards are not conducive to the management of cardholders and are prone to overdue repayment. This not only failed to play a good role, but also caused greater losses.

Work for 3-5 years, have some savings, and can hold 2-3 credit cards. In addition to daily consumption, you can also raise cards, invest, and even borrow money to buy a house;

I have worked for more than 5 years, have a good economic level, have a house and a car, it is normal to have more than 3 credit cards, and each credit card has a large amount, and I have a certain ability to repay the amount, and I can also manage the credit cards effectively.

But in fact, it is best not to exceed four credit cards per person. The reason for this is the following：

First, no more than four credit cards will help improve the overall score.

Generally speaking, a credit card with 1-4 is the most beneficial to the comprehensive score, which will lower the score more or less. With 1-4 credit card, you can get the highest score; After more than 4 cards, the score will drop by 4 points, and these 4 points can basically determine whether the application can be approved in seconds.

Second, the amount of a single card is high and the management cost is low.

Everyone has a total credit in PBOC. If the total amount of the existing credit card is close to the total amount of PBOC, even if you apply for a new card, the amount will not be very high, and the withdrawal application will generally not pass. If there are no more than 4 cards, each card will be easy to withdraw money, and if the withdrawal amount is concentrated, it will be easier to manage.

Three, the main bank preferential categories can be covered.

Of course, these credit cards must belong to different banks, because the credit card quota between peers is shared, even if you handle it, it is useless. It is suggested that the four cards can basically correspond to four main consumption types: life consumption (China Merchants Bank), tourism consumption (ICBC), automobile consumption (Ping An) and online consumption (on demand).

Fourth, the repayment date is the easiest to arrange, and it is not easy to be overdue.

Four credit cards are four repayment dates. If the money is not bad, then the repayment date of these credit cards can be concentrated in one day or one week, which is more convenient for repayment; If the repayment ability is not strong, you can choose the beginning of the month, the middle of the month and the end of the month respectively, and stagger the time, so that the repayment pressure is less.

For ordinary cardholders, when applying for a credit card, as long as they pay attention to the credit of the issuing bank, combine the function of the card with the actual demand, and reduce the pressure on the repayment date, they can reasonably match their credit cards.