How many credit cards can one person apply for?

The country does not have very clear restrictions on the number and total credit cards that individuals can apply for at commercial banks.

Theoretically, the number and limit of credit cards a person may apply for are determined by each commercial bank based on its 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 deductions" and avoid "exceeding credit needs." The so-called "rigid deduction" principle means that when a bank determines a credit limit for a customer, it must deduct the credit limit it has obtained from other banks. For example, if a bank can grant a credit card applicant a credit limit of 50,000 yuan based on his qualifications, but he already has a credit card with a limit of 20,000 yuan in another bank, then the bank should grant the customer a credit limit of no more than 30,000 yuan. .

Extended information:

It is generally recommended to apply for 4 credit cards:

1. It is beneficial to the individual’s overall score

Comprehensive score It plays a big factor in whether you can successfully apply for a credit card. The applicant's number of cards held and credit record are also part of the comprehensive score.

2. The total limit is the most appropriate

In fact, it is not comprehensive just to look at the number of credit cards. It also depends on whether the total limit is applicable. Under normal circumstances, the total limit of 4 cards is the most suitable credit card limit for applicants. If it is less, it will be difficult to cope with emergencies, and if it is too much, it will be easy to spend money like water to make ends meet.

In addition, the bank will evaluate each applicant's total quota and make a "rigid deduction" when approving the quota. That is to say, assuming that your total quota is only 100,000, you have The credit card limit you hold has already reached 90,000, so if you apply for a new card, the limit will only be about 10,000, and it will not get higher and higher.

3. Flexible turnover and clever financial management

With four credit cards and four repayment dates, you can usually use credit for consumption, and maximize short-term investment and financial management with salary and other income. The repayment is made on the repayment date, so the interest earned is an "extra income".

You are not sure whether the number of credit cards is suitable for you, because everyone’s personal qualifications are different. You should apply for credit cards based on your actual situation, and do not go beyond what you can afford. Apply for a credit card. Credit cards all have annual fees, which you need to pay yourself.

Ifeng.com—How many credit cards can I apply for at most? Does the bank have relevant regulations?

How many Bank of China credit cards can one person apply for?

One person can apply for multiple credit cards under one name, up to 20 (excluding supplementary cards, business cards and cards in abnormal status) ), but cannot apply for the same type of credit card repeatedly.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How many credit cards can be applied for?

There are no clear regulations on how many credit cards can be applied for by one ID card at the same bank, but it is generally best to apply for one, even if you apply for several more. The credit card limits of the same bank are all exclusive, but if you want to accumulate multiple credit cards, you can apply for them at different banks. However, if you apply for too many credit cards, the bank will reduce the card limit in order to prevent risks.

The limit limit of the same bank can be simply understood as if the same bank has multiple credit cards, the limit will be calculated based on the highest one. For example, if you have two credit cards at China Construction Bank, one with a limit of 10,000 yuan and one with a limit of 8,000 yuan, then the total limit of these two bank cards is 10,000 yuan. After spending 5,000 yuan with a limit of 10,000 yuan, another card with a limit of 8,000 yuan can spend up to 5,000 yuan. This is something everyone should pay attention to when using it.

In fact, there is no need to apply for multiple cards from the same bank in life. This will increase the management burden of cardholders. Usually, it is necessary to clearly distinguish the billing dates and repayment dates of different cards. If they are confused, It may cause overdue payment, so it is recommended that you apply for a credit card from the same bank.

The number of credit cards is generally determined based on personal income. If you only have an income of 5,000 yuan per month, even if you are given a credit card with a limit of 50,000 yuan, I believe you will not be able to use that much. After all, there will be no follow-up. Sufficient repayment ability. In fact, the total credit card limit is 2 to 3 times greater than your income. This can ensure that individuals can repay on time.

If there are too many credit cards, the cardholder will be very disadvantaged when applying for a loan. The bank will doubt the cardholder's ability to repay the loan. In this case, when applying for a loan, you need to submit strong bank statements. , prove that you can repay the loan on time, only in this way can the bank safely grant you a loan.

In normal times, it is recommended that you do not apply for more than 3 credit cards. If the limit is relatively low, you can increase the limit through subsequent card purchases, and you must use credit cards in moderation and not spend blindly.

Be restrained in spending money. After all, you still have to pay it back

How many credit cards can one bank apply for?

A bank can handle multiple credit cards at the same time, and there is no specific limit on the number. But it should be noted that the limits of multiple credit cards from the same bank are exclusive.

For example, if you have 5 credit cards in the same bank with a credit limit of 50,000 yuan, then these 5 cards will only use the 50,000 yuan limit. If 20,000 yuan has been spent on one credit card, the remaining four cards will only have a limit of 30,000 yuan. In addition, the annual fees for multiple credit cards from the same bank must be calculated separately, so it is generally not recommended to apply for multiple credit cards from the same bank.

1. Bank credit card limit rules:

When you hold multiple credit cards from the same bank at the same time, multiple credit cards have the same limit. Generally, credit cards with lower limits enjoy higher limits. The available credit limit on a credit card.

For example, Ms. Wang holds three credit cards from a certain bank with a credit limit of RMB 30,000. Then these three credit cards will use the same credit limit of RMB 30,000. When she uses a certain card After spending 4,000 yuan in overdraft with one card, you can only spend another 26,000 yuan in overdraft on the other two cards.

If there is no credit card limit, and a credit card grants 20,000 yuan, if the user applies for 5 cards, then he will be able to overdraft 100,000 yuan, which is far beyond his repayment ability. , there will be risks for banks.

2. How many credit cards should a person apply for?

There is no standard answer to this. As for how many credit cards it is appropriate to have, it depends on the individual. Generally, it is more appropriate to apply for 1-4 credit cards for the following reasons:

1. Ratings that are conducive to financial institutions

In today's society, finance is closely related to our lives. For example, buying a house, buying a car, and getting a loan all involve a comprehensive score, and the number of credit cards is also one of the comprehensive scores. The important part is that generally, those with 1-4 credit cards will have the highest score. If you have more or fewer credit cards, your score will be reduced.

2. Convenient turnover

Everyone has an urgent need. If you don’t have a credit card, it will be more troublesome to use money temporarily, but having 1-4 credit cards is convenient for turnover. But having too many credit cards is not good. On the one hand, it is easy to use too many credit cards, and once you can’t control yourself, you will be in trouble; on the other hand, if you have too many credit cards, it is easy to make the repayment confusing, and the repayment dates of most credit cards may be different. It’s different. It’s easy to get confused if you have too many credit cards, or you forget to repay, causing overdue payments, which is not good.

3. Enjoy maximum discounts

Credit cards generally cooperate with merchants to launch many discounts, such as discounts on meals, movie tickets, and air tickets. Of course, not every credit card will cooperate with all merchants, but 2-4 can basically cover the discounts for regular purchases.

4. The total credit limit is appropriate

Everyone’s credit card limit may be different. This is related to personal conditions, but in general, 1-4 credit cards should be enough. Meet a person's normal financial needs. If your financial needs are not large, the credit limit may remain at the level when you apply. If you have large financial needs and frequently swipe your card, the bank will also increase your credit limit, and the total credit limit will basically increase according to your needs. It grows with the growth, of course, the premise is that you must repay on time.

Based on the above points, it is most appropriate for one person to apply for 1-4 credit cards. Of course, each person’s situation is different.

The maximum number of credit cards a person can apply for

Theoretically, one can apply for as many credit cards as there are types of credit cards. In fact, it is difficult to apply for more than 20 credit cards now because The problem of excessive credit is very serious, and some banks have been fined for this. Therefore, many banks' credit card credit policies now require that the number of customers' cards and the total credit amount cannot exceed a certain ratio. The specific number is different for each individual. Depending on the qualifications, some people can apply for many credit cards, while others cannot apply for 10 cards.

When there were no restrictions in the past, payment guys met many masters who held more than 20 credit cards. They all had very good careers and sufficient financial resources. They applied for cards purely for fun and fun. Research, in the end, is all about enjoying services and making money, but banks are also happy to accept such high-quality customers. After all, such people can be regarded as KOLs in the niche field. They say a word, publish an article, and do better than banks. Ads worth tens of thousands or hundreds of thousands will achieve better results.

Author: Paylao

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Source: Zhihu

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Currently, there is no limit on the number of China Merchants Bank credit cards. You can apply for as many credit cards as you want. However, application fees for certain types of cards are required. It is recommended that you read the relevant instructions carefully when applying.

There is no limit to how many credit cards a person can apply for, because the credit card limit under one ID card in a bank is exclusive, that is to say, if you apply for two cards from a certain bank, one card The limit is 5,000, and one has a limit of 10,000. If the 5,000 card is used up, the other card can only use 5,000. If the 10,000 card is used up, the 5,000 card will have no limit.

Nowadays, many banks have a "card-by-card" measure. Simply put, this bank will give you the same credit limit as other banks give you. Basically, no matter how many cards you apply for, the credit limit is basically the same, and the specific issues may differ based on your actual personal situation.

How many credit cards can you apply for?

Theoretically, there is no limit to the number of credit cards you can apply for. To open a bank account, you only need to have good personal credit, a good job, and relatively stable repayment ability. Each financial institution will fully consider liabilities, personal credit, credit limit, etc. The same financial institution will not Allow customers to apply for multiple credit cards. Users can usually limit the number of bank credit cards to 3-5. Too many credit cards are difficult to manage. The above is the relevant information about how many credit cards can be applied for.

Benefits of credit cards

Credit cards have greatly changed the lives of users, making it less unsafe to carry cash when going out, and credit cards can be used anywhere without regional restrictions. , no matter where the card is swiped in China, as long as the user carries the China UnionPay logo, they can swipe the credit card, and the service fee will not be deducted easily. Users can also participate in various affordable discounts organized by merchants and banks. Points earned from credit card purchases can also be exchanged for gifts. Users need to repay the loan in time after swiping the card in the month, which can improve the individual's personal credit score. After applying for a credit card, if the user is short of money on hand, the credit card can help the user tide over the difficulties. This article mainly writes about the knowledge points about how many credit cards can be applied for, and the content is for reference only.

This ends the introduction to the maximum number of credit cards you can apply for and the maximum number of credit cards you can apply for. Have you found the information you need?