There is no clear rule about how many credit cards a person can apply for. Basically every bank can apply for a credit card. But if users apply for more credit cards, it will bring a lot of trouble. For example, after more credit cards, the monthly payment burden is heavier, and the repayment date of each credit card is different. If mixed up, it will cause overdue.

It is best to apply for a credit card in the same bank. If you apply for more than one credit card, the credit card limit is shared. For example, if you apply for two credit cards at China Construction Bank, the limit of one credit card is 10000 yuan and the other is 8000 yuan. When using these two cards, the maximum amount can be 10000 yuan, not the sum of the two cards.

Too many credit card applications will affect users' handling of loans. The large number of credit cards indicates that users have a heavy burden. When handling loans, banks will focus on repayment ability. If the conditions of the bank cannot be met, the bank will refuse the user to apply for a loan, which is what everyone needs to pay attention to.

The number of credit card applications is generally no more than three times, which is beneficial for users to manage the repayment date of credit cards and to return credit cards without causing too much repayment burden. In fact, when applying for a credit card, you must consider your income ability. Generally, the credit limit of a credit card should not exceed 2 to 3 times of your personal income, which can prevent you from paying too much.

Every application for a credit card will be recorded in the credit report. Even if the user does not activate the credit card after applying, the application record will appear in the credit report, and multiple applications for the record will have an adverse impact on the individual. Therefore, in normal times, users had better not apply for too many credit cards, which is not good for individuals.

If users apply for multiple credit cards instead of a single credit card, the credit card limit can be completely increased. For example, they usually spend more than one credit card, and after a long time, they can increase the credit card limit. This can avoid applying for multiple credit cards.

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 China bank credit cards can a person apply for?

One person can apply for more than 20 credit cards (excluding supplementary cards, business cards and abnormal status cards), but the same credit card cannot be applied repeatedly.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This concludes the introduction of no more than a few credit cards. I wonder if you have found the information you need?