For today's young people, overdraft and hedonistic consumption is their concept of life. How many credit cards can a person use? How many are suitable? How many credit cards can an ID card use?
As a friend of a new cardholder, I have made great efforts in the past few days. I applied for seven or eight credit cards at one go, but they are all small credit cards. A friend was depressed. He came to the card elder sister and asked about it: is it good or bad to hold so many small credit cards? (this article is compiled exclusively by WYH, editor of sihai.com. If you need to reprint, please indicate the source and source. Related articles: http://www.4hw.com.cn/life/licai.html)
Benefits of multiple small cards
I. The total amount is enough
Although the quota of each card is not high, as long as it is not the same bank, the quota is not shared. Each card has a certain quota, and the total quota will not be too low. If Mr. Qin's card limit is 5000 yuan, and none of them are from the same bank, then the total limit of these cards is between 35000 yuan and 40000 yuan. In case of large amount of consumption, such amount is enough. It's just a lot of trouble to swipe multiple credit cards. (this article is exclusively compiled by WYH, editor of sihai.com. If you need to reprint it, please indicate the source and source. Related articles: http://www.4hw.com.cn/life/licai.html)
2. Multiple bank discounts
Holding credit cards of multiple banks, each bank can participate in preferential activities. There are more Collectible wool and more profits.
If Mr. Qin has CITIC credit card in his hand, he can participate in the "9 share and exchange" activity. If the monthly consumption meets the conditions, he can exchange 9 points for Starbucks, Haagen Dazs and other value-added goods.
If he holds the CMB credit card at the same time, he can participate in the "50% discount on Wednesday" food discount of CMB credit card app "palm life" and rush to buy half price vouchers of multiple catering merchants. (this article is exclusively compiled by WYH, editor of sihai.com. If you need to reprint it, please indicate the source and source. Related articles: http://www.4hw.com.cn/life/licai.html)
III. large amount raising space
Compared with the initial credit card with large amount, the small credit card is easier to apply for the withdrawal, and master the correct method of withdrawal, and the small credit card can also quickly become a large amount of credit card.