Generally speaking, it is best for ordinary people to hold at most three bank cards per person.

1. A salary card. The bank card used to receive monthly salary is usually the bank designated by the unit.

2. One is a social security bank card, which is bound to the bank card for receiving pensions after retirement.

3. One is a bank card bound to Taobao, WeChat, and Alipay for online shopping.

Related interviews: (Reporter Zhu Wei) “After sorting it out, I discovered that there are 4 bank cards in my wallet that I don’t use on a daily basis.” Ms. Chen, who lives in Jinxiu Garden, will be traveling soon, and she plans to bring some cash and a bank card.

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But when I was packing my luggage yesterday, I discovered that in addition to the 1 bank card I usually use, there are 4 "dormant" cards that have become a burden.

Ms. Chen talked about bank cards with her friends and found that everyone had more or less idle bank cards.

Bank cards have brought many conveniences to our lives. They not only eliminate the inconvenience of carrying cash, but also enable online transactions, transfers, and financial management.

How many bank cards is appropriate for one person to have?

After conducting an investigation, the reporter found that most people have three to five bank cards, and some have more than 10 bank cards.

Some people really need to use different bank cards, while some people use them just to help friends complete tasks out of face, and most of them are idle cards that they don't use.

Bank cards are generally divided into credit cards and debit cards. The biggest difference between the two is that credit cards can be used for overdraft.

Mr. Liu works in a public institution. As a middle-aged man, he has three bank cards. The salary card is issued by the company. He has applied for two of them himself. One credit card is used for daily consumption and one is used for stock trading.

"I think three cards are enough. If you don't have the habit of managing money, two cards can meet your needs." Mr. Liu believes that individuals should apply for bank cards based on actual needs. Too many cards will bring trouble to themselves.

"We not only have to worry about whether the annual fee of the bank card is owed, but we also have to worry about forgetting the password, having the card stolen, etc." Compared with Mr. Liu, Gu Wen, a citizen, is a loyal user of credit cards.

Gu Wen has many friends who work in banks.

In order to help her friends complete their tasks, she applied for no less than 20 bank cards.

"Some have never been used, some have been used for a while, and there are about four or five that are commonly used now." Gu Wen said frankly that sometimes he has no restraint in using credit cards, "Because I have several credit cards, and I just tolerate what I like.

I keep thinking about buying it, but I think it will be easy to use up the overdraft limit if I don't pay it off until next month. If several cards happen to be repaid at the same time, I will worry about not being able to pay off the overdraft. I can say this.

It's "being tempted by cards and getting tired of them." "In the opinion of industry insiders, how many bank cards is appropriate for one person?

Many bank account managers believe that for ordinary citizens, 2-3 bank cards can meet their daily needs.

They can be divided into: salary cards, credit cards, and wealth management cards. Salary cards pay for various daily expenses in life. Credit cards can be used when purchasing more expensive things. Wealth management cards are used for purchasing funds, stocks and other financial products.

Industry insiders would like to remind you that applying for a bank card should be based on your own needs, and avoid applying for "favor cards" to prevent future troubles such as owing bank annual fees and affecting personal credit due to negligence.

At the same time, you should clean up bank cards that are not in use in time, so as to avoid small account charges and pay less annual fees.

In addition, citizens who hold credit cards may wish to apply for automatic repayment of credit cards with debit cards, which can not only prevent the possibility of forgetting to repay credit card debts, but also save the cost of inter-bank transfers.