How many Bank of China credit cards can one person apply for?

One person can apply for multiple credit cards under one name, up to 20 (excluding supplementary cards, business cards and cards in abnormal status) ), but you cannot apply for the same type of credit card repeatedly.

The above content is for your reference, please refer to actual business regulations.

How many credit cards can one person apply for?

There is no specific limit on how many credit cards a person can apply for.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income and its basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

1. Credit card is also called credit card. It is a non-cash transaction payment method and a simple credit service.

2. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. Cardholders can consume within the credit limit first and then A credit card for repayment; a quasi-credit card is a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, a quasi-credit card can be overdrawn within the specified credit limit. .

4. The term "credit card" originally refers to the financial product introduced in this post. However, because there were no credit cards or even savings cards with any credit card functions in China in the past, real credit cards, instead It can only be given the nondescript name "credit card".

5. Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

How many credit cards can one bank apply for?

A bank can handle multiple credit cards at the same time, and there is no specific limit on the number. But it should be noted that the limits of multiple credit cards from the same bank are exclusive.

For example, if you have 5 credit cards in the same bank with a credit limit of 50,000 yuan, then these 5 cards will only use the 50,000 yuan limit. If 20,000 yuan has been spent on one credit card, the remaining four cards will only have a limit of 30,000 yuan. In addition, the annual fees for multiple credit cards from the same bank must be calculated separately, so it is generally not recommended to apply for multiple credit cards from the same bank.

1. Bank credit card limit rules:

When you hold multiple credit cards from the same bank at the same time, multiple credit cards have the same limit. Generally, credit cards with lower limits enjoy higher limits. The available credit limit on a credit card.

For example, Ms. Wang holds three credit cards from a certain bank with a credit limit of RMB 30,000. Then these three credit cards will use the same credit limit of RMB 30,000. When she uses a certain card After spending 4,000 yuan in overdraft with one card, you can only spend another 26,000 yuan in overdraft on the other two cards.

If there is no credit card limit, and a credit card grants 20,000 yuan, if the user applies for 5 cards, then he will be able to overdraft 100,000 yuan, which is far beyond his repayment ability. , there will be risks for banks.

2. How many credit cards should a person apply for?

There is no standard answer to this. As for how many credit cards it is appropriate to have, it depends on the individual. Generally, it is more appropriate to apply for 1-4 credit cards for the following reasons:

1. Ratings that are conducive to financial institutions

In today's society, finance is closely related to our lives. For example, buying a house, buying a car, and getting a loan all involve a comprehensive score, and the number of credit cards is also one of the comprehensive scores. The important part is that generally, those with 1-4 credit cards will have the highest score. If you have more or fewer credit cards, your score will be reduced.

2. Convenient turnover

Everyone has urgent needs. If you don’t have a credit card, it will be more troublesome to use money temporarily, but having 1-4 credit cards will facilitate turnover. But having too many credit cards is not good. On the one hand, it is easy to use too many credit cards, and once you can’t control yourself, you will be in trouble; on the other hand, if you have too many credit cards, it is easy to make the repayment confusing, and the repayment dates of most credit cards may be different. It’s different. It’s easy to get confused if you have too many credit cards, or you forget to pay back, causing overdue payments, which is not good.

3. Enjoy maximum discounts

Credit cards generally cooperate with merchants to launch many discounts, such as discounts on meals, movie tickets, and air tickets. Of course, not every credit card will cooperate with all merchants, but 2-4 can basically cover the discounts for regular purchases.

4. The total credit limit is appropriate

Everyone’s credit card limit may be different. This is related to personal conditions, but in general, 1-4 credit cards should be enough. Meet a person's normal financial needs. If your financial needs are not large, the credit limit may remain at the level when you apply. If you have large financial needs and frequently swipe your card, the bank will also increase your credit limit, and the total credit limit will basically increase according to your needs. As the loan grows, of course the premise is that you must repay the loan on time.

Based on the above points, it is most appropriate for one person to apply for 1-4 credit cards. Of course, each person’s situation is different.

How many credit cards can a person apply for?

A person can apply for multiple credit cards, and there is no clear limit on the number. However, it is best to hold less than 3 personal cards. Too many credit cards can easily lead to overdue credit cards. Overdue credit cards will have a great impact on your future credit card applications.

It makes no sense to apply for multiple credit cards at the same bank. Because credit cards from the same bank have the same limit, but the annual fees are paid separately and the points are accumulated separately. So if you want to have multiple credit cards, you can go to different banks to apply for credit cards. It should be noted that you must not make late repayments, as this will cause a bad record on your personal credit record.

Note: The China Payment and Clearing Association issued the "Bank Card Business Risk Control and Security Management Guidelines", requiring banks to strictly control situations where one person has multiple cards and excessive credit. Cardholders apply for credit cards that are much higher than their personal income levels. Credit card overdrafts will be blocked. Therefore, if there are too many credit cards and the total credit limit is too high, it will be difficult to apply for a credit card, and even applying for a loan will be affected to a certain extent.

The maximum number of credit cards a person can apply for

There is no limit to the number of credit cards an individual can apply for.

Under normal circumstances, it is recommended not to apply for credit cards from more than 5 banks.

Credit cards from the same bank have a limited limit, but points can be accumulated. If you need to accumulate credit card points, you can apply for 2 credit cards. Applying for too many credit cards will occupy your own credit limit, so 2 Zhang is more appropriate.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and meet social needs.

How many credit cards can one person apply for?

There are no clear regulations on how many credit cards one person can apply for. Basically, every bank can apply for a credit card. However, users who apply for too many credit cards will cause a lot of trouble in the future. For example, if you have more credit cards, the monthly repayment burden will be heavier, and the repayment date of each credit card is different. If you get confused, it will cause overdue payment.

When applying for a credit card from the same bank, it is best to apply for one. If you apply for multiple credit cards, the credit card limit is exclusive. For example, if you apply for 2 credit cards at China Construction Bank, one credit card has a limit of 10,000. Yuan, and the other one is 8,000 Yuan. When using these two cards, you can get a maximum limit of 10,000 Yuan, instead of the superimposed limit of the two cards.

Excessive credit card applications will affect users’ loan processing. A large number of credit cards indicates a heavy burden on the user. When applying for a loan, the bank will focus on checking the repayment ability. If the bank's conditions cannot be met, the bank will reject the user's loan application. This is something everyone needs to pay attention to.

Generally, you should not apply for more than 3 credit cards. This will help users manage credit card repayment dates and return credit cards without causing too much repayment burden. In fact, when applying for a credit card, you must consider your own income capacity. Generally, the credit limit of a credit card should not exceed 2 to 3 times your personal income. This can prevent you from spending too much and not being able to repay it.

Every application for a credit card will be recorded in the credit report. Even if the user does not activate the credit card after application, the application record will appear in the credit report. Multiple application records will have a negative impact on the individual. . Therefore, it is best for users not to apply for too many credit cards in normal times, as it does not bring any personal benefit.

If the user dislikes the relatively low limit of a single credit card and applies for multiple credit cards, then the limit of one credit card can be increased. For example, if one more credit card is used for consumption, the limit can be increased after a long time. Quota. This way you can avoid applying for multiple credit cards.

This concludes the introduction to the maximum number of credit cards that can be applied for and the maximum number of credit cards that one person can apply for. Have you found the information you need?