Many people like to apply for credit cards in life, and often feel that one credit card is not enough. They may apply for many credit cards. Handling too many credit cards will not affect your credit information. When using a credit card, if there is overdue repayment, it will affect your credit information. If there are too many credit cards, the possibility that the bank will refuse to sign a loan will increase.

First, repay the credit card on time. Too many credit cards will not affect the credit investigation. The premise is to repay the loan on time. For us, one more credit card is more of a burden, because we may not be able to restrain the impulse to spend in advance. We can all hope that we can apply for loans in the future, so the best way is to submit a financial certificate to prove to the bank staff that we have the ability to pay off these loans. The proof provided is from the past six months, indicating that good consumption habits should be maintained.

Second, overdue repayment will affect personal credit report. Generally speaking, we don't like to handle too many credit cards. Because there are too many credit cards, it is very inconvenient to manage. If the repayment is overdue, it will definitely affect your credit report, which is very inconvenient for future loans. At the same time, the credit will be stored for a long time after it expires. If it is not returned within the time limit, it will be kept for five years and will disappear automatically after five years. If you apply for a credit card, you must repay it on time.

Third, choose the credit card that suits you best. When we apply for a credit card, we can do it through the bank or through the bank official website. You can apply for a credit card quickly. When applying for a credit card, you must know your consumption habits and repayment ability in advance. At the same time, you need to know through what channels you will use this credit card. In the end, I will choose the credit card that suits me best.