This explanation sounds very reasonable, but in real life, many card gods have more than a dozen cards and use them like a duck to water. Such people can apply for cards again without any effort.
in fact, too many credit cards affect the re-application of cards, mainly because of the problem of average usage quota. Especially if the average usage quota is too high, for example, if the quota is 2,, you can brush it to 19, on average.
Take a chestnut as an example. As shown in the figure below, the total credit line is 158,1, and the average credit line used in the last six months is 1,913, which seems quite normal.
that is, you have applied for multiple credit cards in major banks in a short period of time. Every time you apply, you will be checked for credit information, and the inquiry records will be displayed in your personal credit information report. This kind of inquiry is a "hard inquiry".
with multiple credit cards, you should be careful when handling new cards to see if the business it offers is suitable for you. If it is the same type of credit card from the same bank, the added value will not be too much.
For example, your credit line in XX Bank is 5, yuan, and you have two credit cards in this bank, one with a credit line of 2, yuan and the other with a credit line of 5, yuan. If you use up this 5,-yuan card, the other 2,-yuan card can't be used for any money. Similarly, if you use up this 2,-yuan card, you can only use 3, yuan for the other 5,-yuan card.
If you really need to apply for multiple credit cards, I suggest classifying them according to their purposes, such as supermarket, aviation and online shopping, so as to make the credit cards better used by me.
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