First of all, it depends on whether the small-limit credit card is activated. If it is not activated, the status recorded in the credit report is inactive. Since the card is not used, as long as the card is safe, it will not have much impact on the credit report. Of course, many people do not activate it because of the small limit, and will apply for a second card from the same bank. The bank may hold grudges because of this unactivated small limit, and may not necessarily approve the card or give too high a fee. Quota.
Secondly, activation of a small-debt card will have an impact on your credit report. One is to open a small-limit card, and the credit limit will officially take effect, which will occupy the total credit limit granted by the central bank to each person. If you apply for a card later, according to the rigid deduction principle, the limit of the small-limit card will be subtracted, and then the credit card limit will be calculated. The credit limit is small, and the total credit limit is not high. It has a slight advantage over large-limit cards. One is the card usage behavior of small-debt cards, which is directly related to the collected information. If you use the card in a standardized manner, swipe the card frequently, repay the loan on time every month, and develop good card-using behavior, it can be used as a high-quality textbook for raising the limit in the future or applying for a card again. Once it is overdue, it will directly affect your personal credit. If you have a bad record, it will affect your ability to increase your credit limit and apply for a new card. This has nothing to do with the amount. If it is not a malicious overdue payment, it is best to pay off the debt immediately and continue to use this credit card for 24 months. After the bad record is covered with a new good repayment record, the impact will be reduced.