1. A salary card. The bank card that receives monthly salary is generally the bank designated by the company.
2. One is the social security bank card, which is bound to the bank card for retirement and pension in the future.
3. One is online shopping for bank cards bound to Taobao, WeChat and Alipay.
Related interviews:
(Reporter Zhu Wei) "After finishing, I found that there are four bank cards in my wallet that I don't usually use." Miss Chen, who lives in fairview park, plans to travel in the near future. She is going to take some cash and a bank card. But yesterday, when I was packing, I found that in addition to the usual 1 bank card, there were four "dormant" cards that became cumbersome. Miss Chen chatted with her friends about bank cards and found that everyone had some idle bank cards more or less.
Bank cards have brought a lot of convenience to our lives, which not only saves the inconvenience of carrying cash, but also enables online transactions, transfers and financial management. How many bank cards does a person have? After some investigation, the reporter found that most people have three or five bank cards, 10 or more. Some people really need to use different bank cards, and some people help their friends to complete their tasks out of face, mostly idle cards.
Bank cards are generally divided into credit cards and debit cards. The biggest difference between the two is that credit cards can overdraw consumption. Mr. Liu works in a public institution. When a man reaches middle age, he has three bank cards, and the salary card is handled by the unit. He has two credit cards, spending 1 and trading 1. "I think three cards is enough. If there is no financial habit, one person can meet the demand with two cards. " Mr. Liu believes that individuals should apply for bank cards according to actual needs. Too many cards will bring you trouble. "We not only have to worry about whether the bank card owes an annual fee, but also worry about forgetting the password and stealing the card."
Compared with Mr. Liu, citizens are loyal users of credit cards. Wen Gu has many friends who work in banks. In order to help her friend complete the task, she has handled more than 20 bank cards back and forth. "Some have never been used, some have been used for a while, and now there are about four or five commonly used." Wen Gu admits that sometimes there is no limit to swiping a credit card. "Because I have several credit cards, I can't help but want to buy something I like. I feel that the overdraft limit will be easily used up next month. If several cards are only repaid in a period of time, you will worry that you can't afford to overdraw. I can say that they are "seduced and tired by the card." "
In the eyes of the industry, how many bank cards does a person have? Many bank account managers believe that for ordinary citizens, 2-3 bank cards can meet the needs of daily use. Can be divided into: salary card, credit card, financial card. The salary card pays the daily expenses in life, and you can use a credit card to buy more expensive things. The wealth management card is used to buy wealth management products such as funds and stocks.
People in the industry kindly reminded that bank cards should be handled according to their own needs, and "personal cards" should be used less to prevent future troubles such as owing annual bank fees and affecting personal credit due to negligence. At the same time, it is necessary to clean up unused bank cards in time to avoid charging small account fees and paying less annual fees. In addition, citizens who hold credit cards may wish to go through the formalities of automatic repayment of credit cards with debit cards, which can not only prevent the possibility of forgetting to repay credit card arrears, but also save the cost of inter-bank transfer.