Credit cards, as a financial product that enjoys advance payment services, are relatively convenient and practical for consumers, but only if they have stable economic income and a matching income level can they ensure convenient finance. At the same time, it can avoid credit loss caused by overdraft consumption. If you have more than a dozen credit cards in your name, although you can increase the overdraft limit, if you are not careful, your repayment will be overdue and your personal credit will be affected. Similar cases in real life are actually Commonly seen.

As a working-class person, if you have three or five credit cards under your name, and the repayment dates are different, you can increase your overdraft limit and pay each other in the form of mutual repayments. Prepare for emergencies to avoid overdue payments, but using more than five credit cards is prone to confusion, especially if there is no large gap between the repayment dates, which will result in the need to repay multiple credit cards in a short period of time. Cruel reality, this is naturally difficult for lower-income salaried workers to accept.

Being able to apply for more than a dozen credit cards shows that your personal credit and asset status are relatively healthy. However, if you do not pay attention to reasonable use, you are likely to reduce your credit level or even become a dishonest person. This is very important to credit card holders. It is undoubtedly worth the loss, and the biggest disadvantage is that due to improper use or careless management, multiple credit cards will be overdue at the same time. If the financial strength is not enough to repay in time, you will be sued by the bank and become a person subject to execution for breach of trust.

There is no doubt that the convenience and practicality that credit cards bring to people is an indisputable fact, but as the saying goes, there is no free lunch in the world. Whether intentional or unintentional, once the repayment is overdue, the financial situation will not be able to change in a short time. If it improves, it will continue to deteriorate. After all, today's personal credit situation is faced by all financial institutions. If a credit card leads to a breach of trust, all card issuers will continue to pay attention to the cardholder or even cancel the credit limit. Therefore, credit cards The application and use need to be done with caution.