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.
How many credit cards can a person handle?
There is no limit on the number of credit cards at present. As long as the applicant's economic conditions meet the standards, it is ok to apply for several credit cards.
There is no limit to the number of cards, but the total credit line is limited. If the total amount reaches a certain value, it will not be approved, which is called rigid deduction of credit line.
1. Application conditions: 1, age 18 to 60, with full capacity for civil conduct;
2. Have a good credit record;
3. Have working income and repayment ability.
Second, the application materials:
1, identity information: copy of resident ID card or military officer's card;
2. Proof of work and income;
3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.
3. Credit card application method: 1, counter application: bring credit certificate to the counter to apply: the applicant needs to submit relatively complete asset certification documents, and submit the materials to the bank, which will be audited by the bank's background audit department; After approval, fill in relevant materials and identity information; Issue credit cards.
2. Online banking application: the applicant opens online banking with a personal savings card account and enters the bank official website; Enter the login password and verification code to enter the online banking page; Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking; After approval, credit cards will be issued.
3. Counter handling process: Go to the bank outlet where the credit card is handled, or ask the staff of the credit card center of the local bank to fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information; Submit copies of certain certificates and vouchers to the issuing bank; After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in; A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have his signature; The credit card processing process is basically completed, waiting for the issuance of credit cards.
How many credit cards can a person handle?
The state has no very clear restrictions on the number and total amount of credit cards that individuals can apply for in commercial banks.
Theoretically, the number and amount of credit cards that a person can apply for are determined by commercial banks according to their own credit principles and risk assessment policies.
According to the Measures, when issuing credit cards to customers, commercial banks should follow the principle of "rigid deduction" and avoid "excessive credit". The so-called "rigid deduction" principle means that when a bank determines the credit line for a customer, it must deduct the line he has obtained from other banks. For example, according to the applicant's qualifications, the bank can grant him a credit line of 50,000 yuan, but he already has a credit card with a credit line of 20,000 yuan in other banks, so the bank should grant the customer a credit line of no more than 30,000 yuan.
Extended data:
It is generally recommended to apply for 4 credit cards:
1, which is beneficial to individual comprehensive score.
The comprehensive score plays an important role in the success of applying for a credit card. The number of cards and credit records held by the applicant are also part of the comprehensive score.
2. The total amount is the most suitable.
In fact, only looking at the number of credit cards is not very comprehensive, but also depends on whether the total amount is applicable. In general, the total amount of four cards is the most suitable credit card limit for applicants. Without it, it is difficult to deal with emergencies, and it is easy to spend money like water to make ends meet.
In addition, the bank will evaluate the total amount of each applicant and make a "rigid deduction" when approving the amount. In other words, suppose your total amount is only 6.5438+million, and the credit card limit you have already held has reached 90,000, then if you apply for a card again, the amount will only be about 6.5438+million, which will not get higher and higher.
3. Flexible turnover and clever financial management
Four credit cards, four repayment dates, you can use credit for consumption at ordinary times, make maximum use of income such as salary for short-term investment and financial management, and then repay on the repayment date, so the interest earned is an "extra income".
I'm not sure whether the number of credit cards is suitable for me, because everyone's personal qualifications are different. Everyone should apply for a credit card according to their own actual situation, and don't exceed their affordability. Credit cards have an annual fee, and you need to pay it yourself.