In fact, the logic of credit cards is similar to that of consumer loans. They will conduct user profile analysis. Only people with high comprehensive evaluations will be given higher credit limits. Generally speaking, 2-3 credit cards are enough. Too many credit cards will make it difficult to keep a repayment diary, and setting them to similar repayment dates will waste the interest-free period.

In fact, the purpose of everyone's credit card is to increase the credit card limit. Simply increasing the number of credit cards is of little significance. According to my personal experience, there are basically two ways to increase the limit: high monthly consumption amount and high own earning capacity. However, relying too much on consumption to support the card is putting the cart before the horse, and once the card limit reaches a certain level, it will be more difficult to increase the limit. Generally speaking, 2-3 credit cards with a total limit of 100,000-200,000 are basically enough for ordinary people. Even for a luxury trip to Europe, this amount is completely sufficient. Besides, you have to pay back the credit card, and it’s not free, so the higher the limit, the better.

For example, my monthly credit card limit is not very large, it is just daily consumption. But as long as my tax payment amount is large, the credit card center will take the initiative to call me to raise the amount. The limit of one of my cards was directly raised to 150,000. It is enough for daily expenses, so there is no need to increase the limit by swiping the card.

Many friends asked me: "Xiao Si, how many credit cards are suitable for us to apply for?" I thought about this question and it is actually quite interesting. Because applying for a credit card is not only a matter of quantity, but also may involve some skills.

First of all, I don’t recommend that you apply for a bunch of cards. It’s really hard to manage, and some cards may not be used at all. Moreover, these cards are kept in your pocket all year round, and you may have to pay management fees; or even if you use them, we use them sparingly. If you forget a certain credit card, it will affect your credit. Of course, it is possible for some friends to spend too much money if they have too many cards and a large limit.

So I think it is completely unnecessary to apply for many cards, so I guess many friends are like me and just have one card. In fact, one card is enough. If you don’t have a large amount of consumption, I think one card is enough. So what should I do if everyone says I want to separate the cards and I want to apply for a few more?

I suggest you apply for three cards. Of course, the functions of these three cards are different. For example, we can divide it like this:

The first card is the main card. Then you can choose a bank with better service and a larger limit for this card. With this With a card, we can basically cover some large expenditures.

The second card can be set as an activity card. Many banks and many stores, such as supermarkets, movie theaters, etc., often organize activities. In addition to the above, another very important thing is restaurants. For example, if you use a certain bank's card to eat, you can get a discount on which day, and when you go to watch a movie, you can buy a ticket for 10 or 20 yuan. With such a card, our daily consumption on these activities can basically be solved.

What is the third card used for? This brings us to the accounting issue that many friends are concerned about. Many friends want to keep accounts but find it troublesome, especially what kind of consumption they are facing? For example, today I bought a bottle of water, had a fast food, and bought some small items. This kind of account is very trivial. It may take 10 or 20 minutes to just remember these things every day. It's so troublesome!

Then you can use a third credit card to solve this problem. This card is specially used to pay for these small expenses, such as buying water, buying ice cream, and so on. Small card money and so on. Then at the end of the month, just pour out the bill on this card, and all the small accounting will be done.

Of course you will have large expenditures. In fact, there are not many of them and it is easier to remember. So if you want to use separate cards, I suggest you separate the functions: One for large amounts, one for activities, and one for small payments to facilitate accounting, that’s enough.

Of course, there are many skills when it comes to using credit cards, and I think many cardholders have also summarized them: which bank has better services, which bank has more activities, etc.

We have also compiled a ranking of credit cards last year for you, which is summarized by some card friends. You can check it out by following my private message and replying to the ranking of credit cards.

Let me teach you how to maintain your card: 1. Don’t empty all the cards, but leave 10%-20%. 2. Don’t always brush integers. 3. Swipe your card between 8 a.m. and 11 p.m. every day. 4. Swipe in the morning and in the afternoon, no more than 3 times a day, and the interval between swiping is more than 4 hours. 5. The number of credit card swipes per month is more than 25 times. 6. Make a small installment appropriately every 3 months. 7. It is best to follow this method to repay the balance in full the next day after the bill comes out. Most banks will be able to raise the balance quickly. . . Reminder: Add WeChat b2836724606 to receive a free withdrawal and maintenance card hand swipe.

Zhang Xiaoya’s salary income is at the upper-middle level, and her life was originally relatively comfortable. But since I bought the car, in addition to having to repay the car loan of 3,500 yuan every month, I also have to pay a lot of money for gasoline, maintenance and other consumer expenses every month, and my life is much tighter than before. Once, Zhang Xiaoya talked about this with a friend who worked in a bank. The latter suggested that she go to the bank to apply for three credit cards and use them alternately. In this way, she could enjoy a small interest-free loan for up to 50 days, which would minimize the cost of her car. The pressure of loans and daily consumption. Zhang Xiaoya has applied for 3 credit cards, and the billing dates are on the 5th, 11th and the end of each month. From the 6th to the 12th of each month, swipe the card with the bill date on the 5th first to get the longest interest-free period. Between the 12th and the 30th, the card bill date is the 11th. From the 1st to the 5th of each month, swipe the last card. From this, the large monthly consumption can be broken down into the past three months.

Reminder: Even if you use a credit card, you can enjoy the longest interest-free period if you start consumption on the second day of the statement date. However, when you have too many credit cards, the billing dates are easily confused. Therefore, in addition to having a reasonable grasp of the consumption limit of each card, you should also make a detailed list. Not only should you keep a clear diary of the bills of each card, but also list the repayment dates item by item to avoid being fined by the bank for delaying repayment. interest.

Tip 1: "Use your card to support your card" to reduce the repayment burden

Zhang Xiaoya's salary income is at the upper-middle level, and her life was originally relatively comfortable. But since I bought the car, in addition to having to repay the car loan of 3,500 yuan every month, I also have to pay a lot of money for gasoline, maintenance and other consumer expenses every month, and my life is much tighter than before. Once, Zhang Xiaoya talked about this with a friend who worked in a bank. The latter suggested that she go to the bank to apply for three credit cards and use them alternately. In this way, she could enjoy a small interest-free loan for up to 50 days, which would minimize the cost of her car. The pressure of loans and daily consumption. Zhang Xiaoya has applied for 3 credit cards, and the billing dates are on the 5th, 11th and the end of each month. From the 6th to the 12th of each month, swipe the card with the bill date on the 5th first to get the longest interest-free period. Between the 12th and the 30th, the card bill date is the 11th. From the 1st to the 5th of each month, swipe the last card. From this, the large monthly consumption can be broken down into the past three months.

Tip 2: Try to swipe your card as many times as possible to increase the limit

Many people hope that their credit card limit can be larger, so , the credit card swiping authority they have during the consumption process will be correspondingly greater. For this reason, many cardholders have called the card issuing bank twice to increase the limit, but the bank will often tell them that the limit cannot be increased on the grounds that "the card swiping frequency is not high enough." Therefore, if the majority of cardholders want to increase their credit card limit, they should use credit cards to purchase things in the future unless they are not available in places where credit cards cannot be swiped. Therefore, regardless of the amount, they should use credit cards wherever they can swipe cards. Frequently Use a credit card, but many people apply for a credit card not for consumption, but to use the credit card funds to do business. If you need to use the credit card funds to do business, you can use a hand swipe to swipe the credit card. After swiping, it will take seconds. Transfer it to your savings card, so you can use the credit card funds however you want. If you don’t have a hand swipe, add WeChat to get it for free.

In fact, when applying for a credit line from a bank, the bank must first determine whether you have this need. It must first check your card usage to see if you are a new card user, check your consumption records, and then See if your quota is really not enough. It is obvious that swiping your card more frequently will help increase your balance, but you must remember that after swiping your card, you must repay the loan in a timely manner, and there must be no bad records such as defaults or late fees and penalty interest.

Is it better to apply for more credit cards?

Even if you use a credit card, you can enjoy the longest interest-free period if you start spending on the second day of the statement date. However, when you have too many credit cards, the billing dates are easily confused. Therefore, in addition to having a reasonable grasp of the consumption limit of each card, you should also make a detailed list. Not only should you keep a clear diary of the bills of each card, but also list the repayment dates item by item to avoid being fined by the bank for delaying repayment. interest.