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, then 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 of 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 is in urgent need of cash flow. If you don’t have a credit card, it will be troublesome to use money temporarily, but it is convenient to have 1-4 credit cards. 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.