There are some drawbacks to applying for a number of banks at the same time, and of course the benefits will be said.
One advantage, one downside, according to international practice, let’s talk about the drawbacks first (there are smirk here)
First, the drawbacks of applying for multiple credit cards
Disadvantages 1: the amount is generally low
Look at the quota of the Xiaobian colleague's card. Except for CITIC (the CITIC card is previously executed), the maximum credit limit is only 20,000. When the bank checks your credit, it will judge according to your existing quota. If your If the card does not have a consumption record, the bank is unable to determine your spending power and repayment ability, and can only give you a lower amount than your current credit limit. Coupled with the one-time application for 10 bank credit cards, it is good to be able to approve it. The beautiful mother who applied for the old farmer in Xiaobian was rejected, Sang Xin.
Disadvantages 2: too many credit cards, inconvenient management
All of the 10 bank credit cards, plus the previous ones, are easy to manage, so Xiaobian colleagues will first smooth down on Excel, see the annual fee-free standard, look at the bill day, repayment date, etc. Wait, it is estimated that he is now tied to the card on my love card app, after all, there is a tube card butler is always more reliable than Excel.
Disadvantage 3: Not conducive to applying for a higher level credit card
There are two aspects, the card friends know what is the sharing quota, if your first card quota is too low, there is no need to apply for a credit card of the same peer, although the amount of the new card will not be lower than the previous credit card, but to a large extent The credit line is the same. Xiaobian recommends raising the amount first. If you really like a card, you can apply.
Disadvantages 4: Cards are not much quality
If the applied cards are of the first level, then there will be no more additional benefits. You can apply for multiple credit cards. The small series suggests that you can classify them at the time of application, supermarkets, aviation, online shopping... The use of the credit card so applied is very clear, and you can enjoy multiple points.
Second, the benefits of applying for a number of credit cards
Benefit one: you can enjoy more activities
Bank promotion activities will definitely not be limited to high-end cards. After all, the Puka people have a larger base. One of the benefits of credit cards is that you can enjoy the discounts for a week. It is ok to try again. For example, we went to eat on Wednesday. Haidilao, full 200 minus 100, two Pufa credit cards can be reduced by 200, 50% å“Ž ~ eat very cool; and CITIC's 9 points for Starbucks, Haagen-Dazs and so on.
Benefit 2: Large space for extradition
If the credit card amount is low, then the card will be raised by the card swiping. As long as the card frequency is high, the repayment record is good. It is very easy to raise the amount. Especially the China Merchants Bank, as long as you are normal in all aspects, he will take the initiative to give you Raise the amount.
Benefit 3: Calculate the billing day and enjoy the long interest-free period
This is actually a little risky. If you really need to spend a lot of money and can't guarantee full repayment in the short term, using the interest-free period of each credit card can help you. This is a method, but it is not recommended to use it frequently. Because it is easy to change the card slave.
Now with the credit card has been from the beginning of the simple overdraft, evolved into the beginning of playing cards, enjoy the benefits of the bank, æ”’ points for gifts, change miles, use the exclusive rights and interests of credit cards to bring convenience to their lives is our future goal For this goal, our first step is to manage your credit card, not overdraft.
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