How many credit cards (debit cards) can one person apply for?

There is no limit to the number of credit cards (debit cards) a person can apply for. In theory, a person can apply for multiple credit cards (debit cards). But under normal circumstances, it is enough for a person to have about 5 credit cards (debit cards) in his hand, because too many credit cards (debit cards) will not only increase the difficulty of management and the risk of overdue, but also increase the personal debt ratio .

It is worth noting that the applicant for a credit card (debit card) should be between 18 and 60 years old (overseas residents between 25 and 60 years old), have certain financial capabilities and have a good credit record.

The maximum number of credit cards a person can apply for

There is no limit to the number of credit cards an individual can apply for. Under normal circumstances, it is recommended not to apply for credit cards from more than 5 banks.

Credit cards from the same bank have a limited limit, but points can be accumulated. If you need to accumulate credit card points, you can apply for 2 credit cards. Applying for too many credit cards will occupy your own credit limit, so 2 Zhang is more appropriate.

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees for credit cards, introducing liquidated damages, and prohibiting over-limit fees. At the same time, corresponding adjustments were made to credit card overdraft interest rates, interest-free repayment periods and minimum repayment amounts. The amount has also been increased from 2,000 yuan per card per day to 10,000 yuan. The new regulations will be officially implemented on January 1, 2017.

1. Cancel late payment fees and introduce liquidated damages

The "Notice" cancels late payment fees, and the card issuer and cardholder will agree on liquidated damages; cancels over-limit fees, and stipulates that card issuers shall not Service fees bear interest.

2. The credit card overdraft interest rate can be customized

The upper limit and lower limit management of the credit card overdraft interest rate is implemented. The upper limit of the overdraft interest rate is 5/10,000 of the daily interest rate, and the lower limit of the overdraft interest rate is 0.5/10,000 of the daily interest rate. An increase or decrease of 30% will be made on the basis of five-fifths. The method of calculating interest on credit card overdrafts, as well as whether interest will be calculated on credit card overpayments and the interest rate standards are determined independently by the card issuer.

3. Interest-free repayment period and minimum repayment amount

The "Notice" cancels the maximum interest-free repayment period, minimum repayment amount standards and additional requirements for overdraft consumption The current regulations on conditions are determined independently by the card issuer based on commercial principles and cardholder needs.

4. The amount of cash withdrawals is increased from 2,000 yuan to 10,000 yuan

The "Notice" optimizes the management mechanism of credit card cash advance business and clearly defines cash withdrawals, cash transfers and cash recharges. Cash borrowing business type. The daily cumulative limit per card for cardholders to handle cash advance withdrawals through ATMs has been increased from RMB 2,000 to RMB 10,000. Cash transfers and cash recharges to my bank settlement account and payment account are allowed.

There are five major credit card brands in the world, two major organizations: VISA International and MasterCard International, as well as American Express International Co., Ltd. (America Express) and Diners Club. ), JCB Japan International Credit Card Company (JCB) five professional credit card companies. There are also some regional credit card organizations in various regions, such as EUROPAY in Europe, UnionPay in China, United Credit Card Center in Taiwan, etc.

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 you 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 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 without making 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 credit cards can one person apply for?

There is no specific limit on how many credit cards a person can apply for.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income and its basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

1. Credit card is also called credit card. It is a non-cash transaction payment method and a simple credit service.

2. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. Cardholders can consume within the credit limit first and then A credit card for repayment; a quasi-credit card is a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, a quasi-credit card can be overdrawn within the specified credit limit. .

4. The term "credit card" originally refers to the financial product introduced in this post. However, because there were no credit cards or even savings cards with any credit card functions in China in the past, real credit cards, instead It can only be given the nondescript name "credit card".

5. Quasi-credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

That’s it for the introduction of the maximum number of credit cards a person can have.