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 financial management, 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.

How many credit cards are the most reasonable

Generally, two or three credit cards are more reasonable when handling. If you are a young person who has just joined the work, you can basically have a credit card. When I first started working, the salary was not very high. At this time, it is very unfavorable for individuals to have multiple credit cards. Therefore, the number of cards should be reduced at ordinary times.

If you work for a long time, you can increase the number of cards, preferably no more than three, and the credit limit of the credit card you hold should not exceed three times the monthly income, which can effectively prevent individuals from excessive consumption and will not lead to their failure to repay on time on the repayment date.

Too many credit cards will also bring management difficulties. After all, the repayment date of each credit card is different. If the user confuses the repayment date, it is very likely that the repayment will be overdue, which will affect personal credit information. It will be more difficult to apply for various loans after a bad credit report.

Users want to have more than one credit card, just to get a higher quota. In fact, this is completely unnecessary. Banks comprehensively determine the amount of credit cards issued according to the information submitted by users. Users who have applied for a new credit card for more than 6 months can apply for a fixed amount increase.

Too many credit cards will affect individuals' application for loans. When applying for a loan, the bank will check the borrower's credit information, and the number of cards held by the borrower will be displayed in the credit information. If the quantity is too large, the bank will doubt the borrower's repayment ability, and in order to prevent risks, the bank will refuse.

If you have multiple credit cards, you must apply in different banks to achieve the effect of overlapping credit lines. If you apply in the same bank, the credit card limit is shared, so you should pay attention to this when applying for multiple credit cards. In addition, if the user's multiple credit cards are useless, the user can cancel them in time to prevent the annual fee from being too high and increase the card holding cost.

You can't swipe one credit card, let alone more.

How many credit cards are most suitable?

Generally speaking, no more than four credit cards are conducive to improving the comprehensive score. The 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.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards. Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit".

Most of these cards are used for international circulation. Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes.

When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

How many credit cards does an individual have?

It is more appropriate for ordinary people to have a 1-4 credit card for the following reasons:

1, the total amount is the most appropriate.

It is not comprehensive to just look at whether the number of sheets is appropriate and whether the total amount is applicable. In general, the total amount of four cards is the most suitable credit card limit for applicants. Without it, it is difficult to deal with emergencies, and it is easy to spend money like water to make ends meet.

2. Flexible turnover and clever financial management

If you have four credit cards, you have four repayment dates. Usually, you can use a credit card for consumption, so that your income can be invested in the short term to the maximum extent, and then you can repay it on the repayment date. The interest earned in this way is an "extra income". In the long run, I believe there will be a considerable number.

3. Comprehensive coverage of credit card offers

Holding four credit cards means that you can enjoy the credit card discounts brought by four banks. Needless to say, it is not difficult to get big wool as long as you pay more attention!

4. It is beneficial to the comprehensive score.

Whether the credit card application can be successful or not, the comprehensive score accounts for a large part of the factor. The number of cards and credit records held by the applicant are also part of the comprehensive score. If there are more than 4 credit cards, the comprehensive score will drop instead of rising. It can be seen that the holding of four credit cards is the most conducive to improving the overall score of individuals.

How many credit cards do you have? What cards do you have that are basically enough?

With regard to the use of credit cards, many people are always on the road of "keeping cards with cards", and the final result is that their credit cards are increasing and their debts are increasing. Although this can solve temporary problems, there will be more problems waiting for you. So, how many credit cards is the best for a person?

On the issue of credit cards, this is a commonplace topic, because everyone's situation is different, so many people have different attitudes towards the use of credit cards. As we said today, how many credit cards are best for everyone? For ordinary people, three credit cards are enough. Some people may say that you need more money, but you should know that credit cards are not more "credit", on the contrary, they may drag you down. The essence of credit card is to let cardholders experience the fun of overspending. No matter how much money the bank sends you, the money is not yours, and it needs to be repaid in time after consumption. According to the personality of ordinary people, three credit cards are enough, which is the ideal number of credit cards.

Three credit cards are more convenient to remember, just remember three repayment dates, and it is not difficult to manage well. Moreover, the amount of three credit cards and various preferential activities can also meet our normal consumption needs, and according to the previous good credit record, we can continuously increase the amount of credit cards. Instead of having too many credit cards, it is better to use three credit cards in a planned way, which can reduce the probability of overdue and meet the needs of life.

Why is it best to hold three credit cards? Generally speaking, we don't encourage handling a large number of credit cards. For normal office workers, it is enough for everyone to have two or three credit cards. You'd better put some cards on it, so as to ensure timely repayment according to your own limit, which not only ensures your good credit, but also benefits your credit card limit. You know, once you get into the bank's credit blacklist, it's hard to get out again.

How many credit cards is appropriate for a person? How many credit cards do not affect credit reporting?

It is more appropriate for a person to have several credit cards. There is no fixed answer to this question. Different people have different needs for credit cards, and the number of credit cards is not necessarily related to credit reporting.

If they are ordinary wage earners, I think there are about three.

Ordinary wage earners actually don't have much expense. Usually, credit cards are mainly used for personal consumption, so when applying for credit cards, people pay more attention to credit card activities.

At present, many banks have similar credit card activities, so I think it is enough to apply for three banks with relatively more favorable activities.

For ordinary wage earners, three credit cards can not only enjoy the preferential activities of major banks, but also increase the total amount of their credit cards in case they have enough credit lines to use when necessary. And three credit cards are not much more convenient to manage.

If you are in business, it is normal to have 5 to 8 cards.

At present, many business people need++,and credit card is one of the best++ways. Compared with bank loans or loans from some loan companies, credit cards have many advantages.

The first 1 period has the advantage of interest-free period.

Credit cards have a maximum interest-free period of nearly 55 days. Making full use of this interest-free period can reduce your own capital cost.

The second advantage is that you can use it at any time without approval.

It is inevitable that there is often a demand for funds when doing business. If there is a need for funds to apply for a loan, it will be more troublesome, not only to submit various materials, but also to wait for a long review time. On the other hand, credit cards are different. As long as the credit card has a sufficient amount, it can be swiped out at any time, and it is very convenient to withdraw cash directly when necessary.

So for business people, if people often have++needs, then I think it is normal to have 5~8 credit cards. I have seen a customer with a 15 credit card before.

In general, I think 3~5 cards are more suitable for one person.

Generally speaking, it is most appropriate for a person to have 4 to 5 credit cards. There are several main reasons:

1. Four to five credit cards can basically cover more than 90% of credit card swiping activities in the current market.

4~5 credit cards can not only participate in credit card discount, but also enjoy points redemption, enjoy the benefits brought by consumption abroad, and enjoy free cash withdrawal or credit card discount with low installment rate.

Second, 4~5 credit cards are more convenient to manage and avoid overdue.

Different bank bills have different repayment dates. If there are too many credit cards, the repayment date may be confused with the bill date, and it will be easy to be overdue, and 4~5 credit cards are generally within everyone's tolerance, which is more convenient to manage.

Third, 4~5 credit cards not only have a certain amount, but also facilitate cash withdrawal.

I don't think using a credit card depends on how many credit cards there are, but on the total amount of your credit card. If the amount of a single credit card is high, I think 4-5 credit cards are enough. As long as you use these credit cards frequently, it is easy to get a credit line. On the contrary, if you have a large number of credit cards, it will spread your consumption and make it difficult to obtain a credit line.

As for the number of credit cards, it has little to do with your credit information.

Credit information depends on your personal credit, not how many credit cards you have. If you have many credit cards, but as long as the repayment is normal, your credit information is good. On the contrary, if you only have one credit card, but it is often overdue, then your credit history is very poor.

So the number of credit cards is not necessarily related to the quality of your credit information.

But I need to remind you that when applying for a credit card, don't apply frequently in a short time. When banks approve loans or credit cards, they will focus on the credit records of the last six months or a year, as well as the inquiry records. If you frequently inquire about credit information or credit cards applied for in the last six months, for example, the number of credit inquiries in the last six months is more than six, which will have a great impact on your credit information.

Brother Hu's point of view: I suggest you apply for several credit cards (according to your actual consideration). Without him, be prepared, no one is short of money; There is no necessary connection between credit card and credit investigation. Pay attention to timely repayment and keep promises.

First, take yourself as an example.

Hu Ge once owned 1 China Merchants Credit Card, 1 Bank of Communications Credit Card, 2 Postal Bank Credit Cards, 1 Huarong Xiangjiang Bank Credit Card, etc. In addition, he also has online lending platforms such as micro-loans and loan treasures.

The reason for handling these multiple credit cards is that on the one hand, the company and many banks were cooperative at that time, and they often engaged in activities, such as sending oil, pots and milk, which were temporarily out of control; On the other hand, there is hope that one day, when you really need money, you still have a few cards in your hand, so that you won't hate it so much when you need money.

For example, Hu Ge has a business friend. Once, he needed some money badly before he thought of applying for a credit card. As a result, he was either rejected or the amount was low. When my friend got angry, he never got a credit card again.

In addition, if you have a card, don't use it. When you need to pay in your daily life, swipe your card as much as possible to ensure that each card is used at least 6 times a year.

There is a simple reason. First, make sure to swipe your card six times, free of annual fee. For example, China Merchants Bank stipulates that if the card is swiped less than six times, an annual fee of 300 will be deducted; Second, you can raise the amount and raise the card.

So how many cards to handle depends on your actual situation. There is little demand for funds. Personally, I suggest you have 3-5 cards and try to increase the card amount.

Second, the relationship between the number of cards and credit reporting

As many friends have said, the number of credit cards is not necessarily related to credit reporting. But you need to pay attention to some things:

1, needless to say, it is normal repayment, so as not to go to credit, and it is not good to be locked in a "little black room";

It is enough to check your credit once a year. The more times you check, the more you will doubt your repayment ability (in fact, many banks check your credit information irregularly every year, and Hu Ge can feel their enthusiasm by checking your credit information every year);

3. The chroniclers who used micro-loans and loan treasures paid attention to it, and this was also written into the credit report. Personal advice is to use less.

From the perspective of bank approval, I suggest that the maximum number of credit cards should not exceed 6. The number of credit cards mentioned here refers to the one that is often used. If you apply for a credit card, but it hasn't been used for a long time, it hardly matters.

The description of credit information about credit cards has the following aspects:

I. Credit card holdings

Credit information will show how many credit cards the cardholder has, the amount of each credit card, whether there is a foreign currency account and other information. If it is a credit inquiry at the People's Bank of China, it will also show which bank handled the credit card.

Second, the use of credit cards.

The credit report will also show the use of credit cards, which banks' credit cards are commonly used, the amount of credit cards in the last month, and the average amount of use in the last six months.

Third, the credit card overdue situation

The overdue status of credit card is a key part of credit information display. Monthly repayment status, whether it is overdue at present and how much it is overdue will be displayed. The credit report shows whether the credit card account is normal or overdue.

The content of the above three aspects is the focus of the bank's examination and approval personnel. Why do I say it's best not to exceed 6 credit cards? Because the total amount of six credit cards for most people can exceed 654.38+ 10,000. 654.38+ 10,000 yuan can solve the urgent needs of most people. If there are more places, it may exceed the number of places that most people need. Beyond the amount that most people need, there is no need for banks to issue loans or continue to issue cards.

At this time, many people will have doubts, saying that according to this theory, many people have far more than six credit cards and many loans. How did they do it? This is mainly due to the following reasons:

First, the credit card limit is not large.

When banks look at the number of credit cards, they will also consider the use of credit card quotas, and generally look at the average use in the past six months. If the cardholder's credit card spending in the last six months is not large, the bank that accepts the credit card application will feel that the cardholder is not short of money for the time being.

If your credit card interests exceed those of other banks, it will definitely attract cardholders to get used to using their own credit cards. It is precisely because of this psychology that most banks will issue cards for such customers as long as they apply.

Second, more income.

As mentioned above, it is enough for most people to have flexible disposable funds of 654.38+10,000 yuan, but for people with a monthly income of10,000 or more, doing business may not be enough. Through big data, the bank determines that this customer is a high-income group, needs a lot of++++,and will also issue cards for it.

Third, the approval criteria are different.

The approval criteria of each bank are different, and the six credit cards I mentioned are just a statement. Some banks will consider 10 or above, but almost every bank will have a measure of the number of credit cards. The six cards I said are also very conservative numbers. If you want to limit the number of credit cards to six, there is absolutely no problem.

Summary:

Simply looking at the number of credit cards can't actually determine whether it will affect the overall situation of credit reporting, but it should be combined with the use of credit lines in the last six months. If the number of credit cards is relatively large and the proportion of credit lines is relatively high, it will obviously affect the overall situation of credit investigation. If you can control the number of your credit cards within six, even if the amount is higher, the impact will not be great.

In fact, it doesn't matter much how many credit cards you get. As long as the credit card arrears under the user name can be returned on time, there is no overdue or malicious arrears, and the personal credit record is good, regardless of how many credit cards you have handled. The result of one credit card is the same as that of ten.

The number of personal credit cards is not as large as possible. Brother Hou suggested that two or three cards would be enough.

Specifically, Hou Ge thinks that users can apply for credit cards of state-owned banks first, such as credit cards for industry, agriculture, China, construction and communications. Because state-owned banks strictly examine users who apply for credit cards, the qualifications of customers who can successfully apply for bank credit cards abroad are often excellent. Later, when applying for credit cards from other small banks, customers who hold credit cards from state-owned banks can often be approved quickly and have higher credit. State-owned bank credit card is a symbol of personal high-quality qualification. Using state-owned bank credit cards to spend abroad can better demonstrate its advantages when studying abroad. State-owned bank outlets are all over the world, and there is no handling fee for currency conversion, so state-owned bank credit cards can provide users with better overseas services.

In addition, Hou Ge suggested applying for one or two credit cards of other joint-stock banks, mainly because the credit cards of joint-stock banks occupy the bulk of the domestic retail consumption market. When eating, entertaining and spending in China, swiping their credit cards often has great incentives. For example, China Merchants Bank and China Guangfa Bank are the best retail markets in China. The credit cards of joint-stock banks have a high market share in the domestic market, and the discounts are strong, and the credit card points are more valuable, which is worth handling.

These two or three cards in your wallet are enough to cover your daily expenses. It is most reasonable to control the number of cards within three. If you apply for too many credit cards, the repayment date of each bank is different, which will easily lead to missed repayment, affect personal credit information and increase the burden on users.

Bowen micro-loan answers for you: don't have too many credit cards. As long as it is not overdue, how many credit cards will not affect the credit investigation.

Don't have too many credit cards.

Personally, I think there shouldn't be too many credit cards. More than five or six, seven or eight, at least one or two.

First, there are too many credit cards to manage.

If you don't remember the repayment date of each card and the credit card is not returned on time,

At present, many banks have no transition period and report directly to the credit information system of the People's Bank of China.

It's not that the bank deliberately embarrassed anyone. Mainly automatic operation, the system does things automatically, without manual intervention.

Second, the more credit cards you have, the less you can grasp them.

With so many credit cards in hand, it must be easy to rob Peter to pay Paul. Unconsciously, the hole is getting bigger and bigger. When will it end?

No matter how many credit cards there are, as long as they are not overdue, it will not affect the credit investigation.

In the first item above, we are talking about the number of credit cards.

What must be explained now is that quantity has nothing to do with credit reporting, but with quality.

This credit card has only one quality and no overdue record.

If it is overdue, the credits will be collected at the meeting. As long as it is well managed and there is no overdue behavior, it is to standardize the use of cards and has no negative impact on credit reporting.

Hello, my friend, let me answer your question.

1 How many bank credit cards can I handle?

According to the regulations of the People's Bank of China, under normal circumstances, everyone has at most eight gold cards of the bank, but some people, such as civil servants, police, doctors, nurses and other employees in stable jobs, may be able to get 10 or even more credit cards, specifically to the ten banks here.

How many credit cards can each bank handle at most?

As for the number of credit cards, each bank generally stipulates three, that is to say, according to this calculation, a person can handle up to 30 credit cards, but even if you have more than one credit card in a bank, your credit limit is shared, and it won't, because you use more than two credit cards in a bank, only two.

Why can banks handle credit cards for how long?

Each bank has launched different types of credit cards for different customers. Although the quota is the same, their points policy is different. For example, some people like shopping, some people like traveling, and some people like shopping in supermarkets. No credit card can meet all the requirements, so generally speaking, they will choose 2-3 credit cards that are more suitable for them.

4 About credit information

People who use credit cards affect credit information, regardless of the number of credit cards. It's just that some banks will refuse to approve the credit card when they look at the credit card you applied for in other banks. That's all. As long as you don't expect them to repay each installment on time, your credit will not be affected. On the contrary, you can use the bank's cashback policy and points policy to reduce the handling fee for using credit cards.

5 tips

Everyone should cherish their personal credit, remember not to lend their credit cards to others, be sure to prepare enough reserve funds when using funds, and don't use them all up to avoid the danger of bank cards being reduced and blocked. This not only protects your personal credit, but also increases your credit. In the future, loans will tend to be high-credit partners.

Finally, I hope my above answers can help you, thank you.

Hello, I'm Xingdong Liaoka.

If it is enough for a person to apply for four credit cards just for the convenience of daily consumption, then the number of credit cards will not affect the credit information, only high debt and overdue will affect it. Why do you say that?

1. Handling credit cards We encounter banks that are strictly audited and will be rejected because of the number of credit cards.

2. Too many credit cards are difficult to manage, and there is also a hidden risk of overdue. Forgetting to return the credit card will really affect the credit investigation.

3. The less the number of credit cards, the faster and easier it is to increase the credit card limit, which is a common view of many credit cards with a total credit of 6,543,800+100,000.

4. When the number of credit cards is too large, it may affect the withdrawal of credit cards and the application for consumer loans because of multiple credits. For example, CCB's fast loan clearly States that the number of credit cards cannot exceed 7.

But why four is enough:

1, the mileage of four credit cards from different banks is enough. For the sake of full coverage of rights and interests, for the sake of quota and risk control, only a few banks such as CITIC, Minsheng, Xingye and China Merchants have low risk control and fast withdrawal (the preparation is outdated, and the withdrawal depends on the invitation system).

2. For those who have no social security accumulation fund to pay wages, it is enough to play with more than 654.38+100,000 with four cards and credit card loans of more than 654.38+100,000. That's what I am.

3. In cash flow, three cards are empty and one card is full to ensure that the total liabilities are not too high and the funds are used for a long time. Four cards are easy to operate, and you can order one order in seven days, which is exactly 1 month, and you can play in cycles.

What affects credit investigation is hard inquiry: credit card approval, loan approval and other hard inquiries. The number of previous inquiries does not affect the credit card limit. Minsheng Bank, which basically does not lend now, has also started lending. This is a signal that banks will be more strict in monitoring credit information, and it is best to keep credit information clean.

As for the number of credit cards, it doesn't matter. It depends on what you do and whether you have control. For example, if you set up a credit card with a limit of 10000 yuan, normal consumption is no problem, and there is no cost to pay it off on the repayment date next month, which is very convenient to solve the urgent need. However, if you spend in advance or use it for business, there will be risks, which is why the credit card overdue after 1990 is as high as 65.438 billion yuan.

Once a card is not paid, it is the second card and the third card. If you raise a card with a card, you will only get deeper and deeper and become a slave of the bank, so it is better to use the credit card carefully. I hope I can help you!

This is the end of the introduction about how many credit cards are suitable and how many credit cards are generally suitable. I wonder if you have found the information you need?