We all say that we should pay attention to one degree in everything, and the more credit cards, the better. Especially for people who have just graduated, credit cards are overdraft consumption. There are one or two suggestions, and gradually accumulating your own credit through credit consumption will be very helpful for buying a house and a car with loans in the future. However, you need to be cautious in the process of consumption, otherwise excessive overdraft consumption may make you a little slave and increase your burden. This is not worth the loss.

It will increase your management cost.

You should know that there is an annual fee for credit cards. Although basically all banks have the condition of annual fee exemption, if there are too many cards, you can't remember whether any card meets the annual fee exemption standard required by the bank. Once the standard is not met, the bank will deduct the annual fee. In the long run, the annual fee is also a big expense, thus losing the meaning of using the card.

In addition, the billing date and repayment date of credit cards are also different. If there are too many cards, you need to manage the billing date and final repayment date of each card, especially now most banks don't have free SMS reminders. Once the repayment is forgotten, the interest and liquidated damages will be less, and it will be uneconomical for the credit information to be affected.

There is a risk of being stolen.

The more credit cards there are, the higher the risk of being stolen and the greater the loss. Because there are too many cards, maybe not every card is commonly used. If the cards that are not commonly used are targeted by criminals, they may not even notice them, which will bring greater losses.

It is best not to exceed three.

Credit cards are also used to improve the quality of life, and can also be used for short-term financial management, saving some small coffers. In addition, the risks and expenses of using the card were mentioned earlier. In the process of using the card, it is also required to pay attention to the safety of using the card at all times, to have self-control and not to be over-funded. Therefore, it is recommended that the credit card should not exceed 3 credit cards. After all, too many phone bills need a lot of energy and time to maintain.

I am Xiaoling, a financial expert, a national financial planner, focusing on financial management, children's financial quotient, family financial planning, and living a different and wonderful life. Wechat official account Xiaoling natural ID: natureID:naturexiaoling