If the applicant holds too many credit cards, when the bank evaluates whether to issue a card, it will look at whether the overall credit limit of the credit cards he currently holds is compared with his income and whether he can repay the new credit card. Ability, for example, although the applicant has a monthly income of over 10,000 yuan, but he already has three or four credit cards worth tens of thousands of yuan, then the bank will think that the applicant's comprehensive credit ability has exceeded and then issue a card to him, which may cause him to be unable to repay. Risk, as such applicants will also be denied credit card approval.