The landlord said that you should use a card, but you can't use more than one card, which means that the credit card of our bank should be treated according to the consumption of credit cards of other banks. At present, most commercial banks in the market require to hold other banks' credit cards for more than 6 months, and few require to hold them for longer. For example, Huaxia Bank requires holding other banks' credit cards for more than nine months. Why is it required to hold them for six months? For example, the bank issued you a credit card on June 5438+ 10, 2009, and issued it the next day. The time written on the card surface is 0112, which means that the card will expire in June 20 12. If the card was issued on June 65438+1 October1,it will be normal. Probably next month or the following month, that is, February to March. If your billing date is 2 days, and you spend it after 2 days, then your repayment date plus 18 days is enough to repay before the 20th of each month. In other words, if you spend money on March 3, the bank will calculate the amount you owe before April 2, and it is enough to repay it before April 20. No matter whether you repay the loan normally or not, the bank will send your consumption record to the People's Bank of China as a central bank credit card report, usually the next month, that is, from May 20 to May 30, that is, the end of May and the beginning of June. Therefore, from card issuance to use, the bank can only see your credit report once or twice, and the credit report is an important reference for whether to issue a card.