Whether the credit card application can be successful or not, the comprehensive score accounts for a large part of the factor. The number of cards and credit records held by the applicant are also part of the comprehensive score.

Previously, Xiao Rong sorted out the internal credit card approval standards of the bank, one of which was about the number of credit cards already held. Details are as follows:

It is not difficult to see from the table that having 1-4 credit cards is the most beneficial to the comprehensive score, but after more than 4 credit cards, the score will not rise but fall. It can be seen that the holding of four credit cards is the most conducive to improving the overall score of individuals.

Reason 2: the total amount is the most appropriate.

It is not comprehensive to just look at whether the number of sheets is appropriate and whether the total amount is applicable. In general, the total amount of four cards is the most suitable credit card limit for applicants. Without it, it is difficult to deal with emergencies, and it is easy to spend money like water to make ends meet.

In addition, the bank will evaluate the total amount of each applicant and make a "rigid deduction" when approving the amount. In other words, suppose your total amount is only 65,438+million, and the credit card limit you have already held has reached 90,000, then

If you apply for another card, the amount will be about 1 10,000, and it will not get higher and higher. Under normal circumstances, the total amount of four credit cards is basically the total amount that the cardholder can handle, which is useless.

Reason 3: Credit card offers are fully covered.

Holding four credit cards means that you can enjoy the credit card discounts brought by four banks. I don't think Xiao Rong needs to say much about this. As long as you pay more attention, it is not difficult to get big wool!