Is it better to have one credit card or multiple credit cards, or what is the best configuration?

It depends on what you use it for~

1. VISA and MasterCard Get one of each. These two types are relatively common among major merchants.

2. Check out the merchants you frequently visit to see which banks have launched co-branded cards. They may have discounts and promotions.

3. Which bank can give you gifts directly when you apply for a card, or you can get a gift once you swipe it? If you apply for it, you can just cancel the card that year if you don’t need it~

4. I don’t know if you can go abroad. When traveling to Japan or something, get a JCB card, it’s universal there. If you go to Hong Kong or something, apply for a Bank of China card. After all, Bank of China is one of the note-issuing banks there.

5. You don’t need to use so many debit cards. For online banking, it is very common among the banks you apply for. There are probably more sellers on Taobao such as ICBC. The main reason is that some banks charge an annual fee for debit cards, which is about 10 yuan. Isn’t it a waste to leave it alone? . . One salary card, one dedicated to online transactions, and one dedicated to funds and stocks, that’s it~

6. Credit cards are also enough. Nowadays, there are quite a few credit cards from various banks that waive the first-year annual fee. , but you have to swipe 5 to 6 times in the first year to waive the annual fee for the following year. With so many cards, can you use them all? . . Quite troublesome. And if you have too many cards, if you make a mistake or forget it, you will miss the repayment period and be penalized with interest by the bank, which is not cost-effective, right~~

Match the credit card repayment date with the statement date

1) Regarding the bill date and repayment date of China Merchants Bank credit card: There are several fixed combinations. For example, mine is the statement date on the 25th + the repayment date on the 13th of the following month. The combination of billing date and repayment date of CMB credit card is not determined based on card opening or birthday, but is randomly assigned by the system when the card is approved. If you are not satisfied with the combination provided by the system, you can call the China Merchants Bank credit card number, press 1 to enter Chinese service, press 4 to enter cardholder service, and press 9 to enter manual and apply for changes.

——If the poster pays his salary on the 15th, then it is more suitable to combine the billing date on the 5th + the repayment date on the 23rd, etc. The repayment date is a few days after the salary day.

2) About staging. The statement above is not accurate, because there are many forms of installments at China Merchants Bank. The one offered by Suning and Gome is called "shopping mall installment". Even if it is divided into 12 installments, the handling fee is only more than 5%, and the "bill installment" with the highest handling fee is no more than 5%. It’s only 7.2%, and it’s never been 8% or higher.

——Since I don’t know which city the poster is in, I can only take Nanjing where I am as an example. Suning can make installments for goods ranging from 1,500 to 30,000, with a handling fee of 2.5% for 3 or 6 installments. The handling fee is 4.5% for 12 installments; Gome can make installments for goods ranging from 1,500 to 50,000. It does not provide 3 installments. The handling fee is 2.5% for 6 installments and 4.5% for 12 installments; the handling fee will be charged once in the first installment. Take a book worth 3,000 yuan as an example. Your credit card limit must also be 3,000. When you bring your ID card and all-in-one card to Suning to purchase, tell the salesperson that you want to pay in installments, for example, in 6 installments. Then the cashier will check your ID card and pay in installments. . The handling fee will be charged in one lump sum in the first period, that is, 3000÷6+3000×2.5%=575 yuan in the first period, and 500 yuan per month for five consecutive months thereafter.

——If you want to check the "mall installment" handling fees of Suning and Gome's China Merchants Bank credit cards in your city, please go to the special page of the official website, select "City" and then check, there will be a general list ：

/shop/merchantshop/

How to allocate credit cards better?

Credit cards have two sides. When we use credit cards reasonably, credit cards can help us realize the turnover and use of funds. However, if the credit cards are used improperly, it will affect our credit card limit and may also You are on the personal credit report list, so you should use credit cards with caution. Today I have summarized the following aspects for you:

1. Be sure to cherish the credit card limit.

When you usually use a credit card, you should clearly know your credit card limit, and you should actively repay it. Don't wait until it is overdue before you remember to repay it.

If you repay overdue, you will also receive a reminder notice from the bank, which is a very bad behavior for your personal credit report, because once you are on the credit report, your credit report will have more "stains" on it. , if you want to get a loan to buy a car or a house in the future, it is generally difficult to apply for it.

2. Consumption reasonably.

Today’s young people have a very high pursuit of material things. Today they see a watch and they like it very much, and tomorrow they see a bracelet and they like it very much. Many people’s monthly salary is only more than 3,000 yuan, but The inner desire to buy is very strong. At this time, it is very irrational to not control your desire and then use your credit card to buy what you want, because when you repay the loan in the future, you will There will be pressure.

3. To apply for a credit card, you should go to a bank.

There are many intermediaries on the market now. They all appear under the guise of being able to apply for high-limit credit cards for us. These intermediaries usually apply for credit cards for you first and then wait for you to spend. Afterwards, when repaying the loan in the second month, a large amount of interest will be generated. In this case, most people will not be able to pay it. If the cycle lasts for a long time, it will be a huge number, so for irregular places , do not apply for a bank card to avoid causing greater fraud.

I have 4 credit cards, all of which are not from the same bank. How do I match the billing date and repayment date? God’s advice?

Hello, I am happy to answer your question.

The bank statement date and the repayment date are matched. For example, my China Merchants Bank statement date is the 12th and the repayment date is the 1st; the CCB statement date is the 3rd and the repayment date is the 23rd. Each bank has its own regulations, but usually there is about 20 days between the statement date and the repayment date. Therefore, you only need to select the billing date, but the repayment date cannot be selected. You can also choose the billing date based on the repayment date.

You have 4 credit cards and want to match the billing date and repayment date. This needs to be based on your actual situation.

1. If you are worried about forgetting the repayment date and affecting your credit record, you can set the repayment dates of several banks on the same day, such as the day after your salary is paid. This will make it simple and clear, and will not affect your credit if it is overdue.

2. If your income is scattered and you want your credit card repayment dates to be spread out to different times each month, you can set a credit card repayment date in weekly units. For example, simple and easy-to-remember days like the 5th, 10th, 15th, and 20th.

To be honest, even if your repayment dates are irregular, you can use a credit card management app to remind you of the repayment dates, and it won’t be a big problem. The previous several operation methods are only relatively convenient and are available for reference.

I hope my answer is useful to you.

A few credit cards are more reasonable

Generally speaking, it is more appropriate for a user to have 2-3 credit cards. If you hold too many credit cards, it is easy for the user to be unsatisfied with his income. The level of consumption thus affects one’s normal life. At the same time, too many credit cards are not conducive to cardholder management and may lead to overdue repayments. Not only does this not play a good role, it will also cause greater losses.

After working for 3-5 years, you have a certain amount of savings and can hold 2-3 credit cards. In addition to daily consumption, you can also maintain cards, make investments, and even buy a house with a loan;

Have worked for more than 5 years, have a good economic level, own a house and a car, it is normal to have more than 3 credit cards, and the limit of each credit card is not low, you have a certain ability to repay the amount, and you can also manage it effectively own credit card.

But in fact, it is best not to have more than 4 credit cards per person. The reasons are as follows:

1. Having no more than 4 credit cards will help improve the overall score

Generally speaking, having 1-4 credit cards is the most beneficial to the overall score. More Anything less will result in points being deducted. With 1-4 credit cards, you can get the highest score; after more than 4, the score drops by 4 points. These 4 points basically determine whether you can be approved instantly when applying for a card.

2. The single card limit is high and the management cost is low

Everyone has a total credit limit with the People’s Bank of China. If the total existing credit card limit is close to the total credit limit of the People’s Bank of China, even if When you apply for a new card, the limit will not be very high, and when you apply for a limit increase, it will generally not be approved.

If there are no more than 4 cards, it will be easy to increase the limit for each card. If the limit is concentrated, it will be easier to manage.

3. All major bank preferential categories are covered

Of course, these credit cards must belong to different banks, because the credit card limits among peers are shared. Even if you apply for it, it will be of no use. It is recommended that four cards can basically correspond to four main types of consumption: daily consumption (China Merchants Bank), travel consumption (ICBC), automobile consumption (Ping An), and online consumption (on demand).

4. The repayment date is the easiest to arrange and it is not easy to be overdue

Four credit cards means 4 repayment dates. If you are not short of money, you can concentrate the repayment dates of these credit cards within one day or one week, so that the repayment is more convenient; if you are not strong in repayment ability, you can choose to pay at the beginning, middle, and end of the month respectively. The time is staggered so that the repayment pressure is less.

For ordinary cardholders, when applying for a credit card, they only need to pay attention to the three principles of the credit card issuing bank, combining card functions with actual needs, and reducing the pressure on the repayment date, and then they can reasonably match their credit card.

How to match other credit cards with a credit card with a bill date on the 21st

You can match an Agricultural Bank of China credit card with a bill date around the 8th. If you have two credit cards, you can set the billing dates for both cards in the early and late days of each month. For example, the billing date for Card 1 is set to the 5th, and the billing date for Card 2 can be set to the 25th. For purchases from the 6th to the 24th of each month, swipe card 1; for purchases from the 26th to the 4th of the second month, use card 2. In this way, each card can enjoy a longer interest-free period.

That’s it for the introduction of how to match credit cards.