一个人需要拥有几张卡？这个其实没有限制，你喜欢的话，甚至可以办几十个，我就见过有个人办过二十五张卡， 不过这也太疯狂了 。以我个人看，一般三到五张卡就足够了，太多了也容易让你混淆比如记账和还款日期。
我陆续有办过几张信用卡，现在一共有三张，一张是最早期十多年前就办理的招商银行的信用卡，另一张是建设银行的，还有一张是广发银行的。
我最早有申请过中信银行，那时候刚毕业没多久，但没申请下来，导致我现在看到中信银行就有些阴影:)。第一张招商银行的信用卡，是在十多年前的时候办理的，记得那时候有人上我工作的地方推广信用卡，很快就批下来了。以我的经验，那种上门推广信用卡的，你只要有稳定的工作，以及没有不良记录，大多都能顺利办理下来，但是一般额度不会太大，具体的额度取决于你所在的公司在行业的影响度，然后是你个人在这家企业的职位等。
有了第一张信用，再办理其他信用卡时就比较容易了，一般来说，办理信用卡的业务人员会问你前一张信用卡的额度，通常再给你办理新的信用卡时，额度都会超过前一张卡的固定额度。当然，这些业务员是没有权限的，他们也只是将你的情况反馈给自己的公司，之后会有专门的部门和人员进行审核的。
另外一张信用卡，因为工作的需要，办理了一张白金信用卡，这个额度就比先前的普卡要高多了，而且所带的一些福利也是显而易见的，比如你出差时可以在贵宾室休息、走VIP通道包括一些其它场合用等，但是这些福利也不是白给的，你付出的代价就是每年要缴纳上千块钱至上万块钱的年费不等，老话说的好，天下可没有免费的午餐呢。但通常情况下，这些公司会告诉你当你刷够X万金额后，首年的年费还是可以免除的。
使用这么多年下来，综合感受，招商银行的信用卡服务不错，缺点就是招行总是隔山差五的有保险公司打来电话给我，我非常怀疑其将我个人资料给到第三方公司（事实上保护个人隐私这个话题在国内似乎就是个笑话），另外让我不太满意的是，招行总是隔三差五的翻阅我的个人征信(个人征信记录和报告都可以在网上授权查阅到)，大概是每隔三个月就会翻看一次，这点令我非常不爽，有次我打电话投诉，假装威胁对方，如果再这样频密查看我的征信我就要销户，之后好像有点效果，招行改每三个月为每六个月查阅一次我的征信。囧
说到查阅征信记录，这点广发似乎就做的比较好，通常广发会约每年查看一次我的征信，随后还不忘记每次之后都会顺便来点棒棒糖，给我提升下额度，这点比招商银行做的就显得很有人情味:)。
建设银行的最大气，隔阵子会做些活动，比如给你几十万的额度，一年内随意花，随借随还，没有中间商赚差价，哦，说错了，这不是广告。最关键的是利率非常低，比如上次给到我是4.6%年利率，有同学可能不太清楚这个概念，我举个栗子，支付宝号称给到贷款利率很低，万分之五每日，这样折算下来，年化率都有18%，哪个更低，一看就明白了。
对于信用卡的额度，大多数人都会认为额度当然是越高越好，但我个人的经验来看，不一定是这样，所以还是适合自己的就是最好的，而且有时候比如我刷卡，也会分常用和大额支出，常用的卡一般用于日常生活品购买，很频密但额度不用太高，要太高对我来说也没太大用，而且这张卡我没设置密码，刷卡时也很方便。事实上我曾经就电话过银行，要求降低我某张卡的额度。
当然，大多数人都是喜欢高额度的，如果你也希望自己申请到额度较高卡的话，除了所在公司影响力和职位这些很难改变之外，如果你有认识银行的大堂经理、行长等，通过他们来申办信用卡，额度通常都是有保障和较高的，而且基本都能批下来。所以下次再去银行办事的时候，不妨多留意下，说不定能认识个经理什么的 (要注意区分那些打着银行旗帜实际上是在推广保险业务的) ，以后办事也方便呢。
pic resource from pixababy.com
我这种穷人的额度目前只有1万块钱，贫穷限制了我的想象力。
坛子兄可能刚回国，以你所在企业知名度和职位，额度很容易提升的。
我就是以这些信息申请的，还有银行拒绝我的，我也是醉了。
额度高的话，一张就够了。
Todays Article On English Version:
Title: Talking about credit cardsI have had several credit cards in succession. There are now three credit cards. One is the credit card of China Merchants Bank that was first processed more than a decade ago, the other is China Construction Bank, and the other is Guangfa Bank.
I applied for China CITIC Bank at the earliest, but it didn't take long before I graduated, but I didn't apply for it. As a result, I now see the CITIC Bank being a bit overshadowed:). The first credit card of China Merchants Bank was processed more than a decade ago. I remembered when someone was on the job where I was working and promoted a credit card, and quickly approved it. In my experience, when you come to promote credit cards, you only have a stable job and no bad records. Most of them can be handled smoothly. However, the general limit will not be too large. The specific amount depends on the company you are in. The degree of influence is then your personal position in this company.
With the first credit, it will be easier to deal with other credit cards. In general, the business person handling the credit card will ask you for the amount of the previous credit card. When the new credit card is usually given to you, the credit limit will exceed the previous limit. The fixed amount of a card. Of course, these salesmen do not have permission. They will only give feedback on your situation to their own company. After that, they will have special departments and personnel to review.
Another credit card, because of the need of work, handled a platinum credit card, which was much higher than the previous card, and some of the benefits were also obvious. For example, when you are on a business trip, you can rest in the VIP room. There are some other occasions to take the VIP channel, but these benefits are not given in the same way. The price you pay is the annual fee for paying thousands of dollars to tens of thousands of dollars each year. It's good to say that the world is not free. What about lunch? But usually, these companies will tell you that the annual fee for the first year can still be waived when you have enough money.
After using it for years, we felt that China Merchants Bank's credit card service was good. The disadvantage was that insurance companies always called me from the insurance company. I very much doubted that it would give my personal information to third-party companies (in fact, protection The topic of personal privacy seems to be a joke at home. In addition, I'm not satisfied with the fact that China Merchants Bank is always looking through my personal credit information at random (personal credit records and reports can be authorized on the Internet). Probably Every three months will be reviewed once. This makes me very unhappy. I once called and complained and pretended to threaten the other side. If I frequently check my credit information again, I would like to cancel the account. Then it seems to be a little effective. Check my credit information every six months for every six months. Oops
When it comes to reviewing credit records, this GF seems to be doing better. Usually, the GF will review my credit information about once a year. Then, afterwards, we will not forget that lollipop will be ordered and my credit will be raised each time. This point is more humane than what China Merchants Bank has done :).
The biggest ambitions of the Construction Bank will be to perform activities such as giving you hundreds of thousands of credits and spending freely within one year. With the help of loans, there will be no middlemen to make the difference. Oh, wrong, this is not advertising. The key point is that the interest rate is very low. For example, the last time I gave me was 4.6% annual interest rate. Some students may not be quite aware of this concept. I give a chestnut, Alipay claims to give me a loan interest rate is very low, five ten thousandths of a day, In this way, the annualized rate is 18%. Whichever is lower, it will be understood at a glance.
For credit card quotas, most people will think that the quota is of course the higher the better, but my personal experience is not necessarily the case, so it is the best for their own, and sometimes I like to swipe, Commonly used and large expenses, commonly used cards are generally used for the purchase of daily life products, very frequent but the amount is not too high, too high for me is not much use, and this card I did not set a password, when the card It is also very convenient. In fact, I once telephoned the bank and asked me to lower my quota.
Of course, most people like the high amount, if you also want to apply for a higher limit card, in addition to the influence and position of the company where it is difficult to change, if you know the bank's lobby manager, president And so on, through their bid for a credit card, the quotas are generally guaranteed and higher, and they can all be approved. So next time you go to the bank to do business, you may wish to pay more attention to it. Maybe you can get to know a manager. It's also convenient to do things later.
Pic resource from pixababy.com
Thanks for your kind of words my friend.
同意，额度够用就好，我很多时候都告诉银行我不需要升额度，毕竟如果卡被盗刷的话就比较麻烦。
大额信用卡在申请一些资质时也有一定审核，所以说不一定是件好事。
credit card is a very sensitive topic. Several people have already been written on it but your Article is best one only due to your friendly nature. You shared your experience on credit card which is about a decade now.
Recently I got a card through SILK Bank. I'm comfortable and using with charm.
Thanks for sharing your experience and kind words. All the best and stay blessed!
Talking about creadit card.......essential post.......
刚开始办了很多信用卡，后来发现卡多不代表钱多，慢慢的都取消了。
哈哈哈
even I only use one credit only
不管什么卡，太多了没用。
主要多了一般容易混淆
对
反正天底下沒有免費午餐
找適合自己又可負擔的信用卡最好
对。适合自己又可负担的信用卡最好
我只用过建设的，大伟哥真是踏遍各大银行啊
没有，我也只是几张而已，卡多了其实也不方便管理。
信用卡最重要的是要有信用，尽量别逾期，还有办金额大的一定要有偿还能力、消费能力，不然，一段时间消费能力达不到依旧会被降。
是的
“我就见过有个人办过二十五张卡” - 这些人应该是拿来炫耀多过拿来真正使用吧 O.o
也不完全是，有些人的确有这个需求
我是看獎賞申請信用卡的哈哈
哈哈哈
我没办理过分期还款，银行总也不给我提升额度。后来问了个银行的朋友，说只有办理分期了，让银行挣点钱，才给提升。冤死了，我都用了很多年了，从没有过不良记录，款项都是一次还清，没想到这样也会被银行鄙视。
信用卡是一个非常重要的问题如果你写信用卡，许多人仍然不知道信用卡，重要的是保持每个人的正确知识，因为谁看过很多可以用信用卡完成的重要事情，我认为这些公司对信用卡是完全正确的如果我们能够实现信用卡扩张和我们使用的许多公用事业.目前在不同的国家或机场都有信用卡商店的安排，我认为这真的非常特别.老百姓应该正确使用信用卡，银行应该很容易地制作信用卡，让公众可以很容易地在不同国家或不同地方获得信用卡和使用信用卡。最重要的是，银行应该支持对公众使用信用卡，并向不同国家和组织，对所有国家的人民授予知识，正确的知识.
国内同行中强劲的零售特许经营权。 资金基础支持高于平均水平的零售和低成本存款。 作为中国资产规模第六大的商业银行具有适度的系统重要性。 尽管盈利能力高于平均水平，但资本适度。 资产质量受国内经济增长放缓影响。 招商银行股份有限公司的稳健前景 (CMB) 反映了我们的观点，即该行的资产质量和盈利能力可能会在未来两年保持在同业平均水平之上。 虽然中国经济放缓将继续给中巴的信贷质量造成压力，但我们预计银行在一个周期内的信贷损失将超过行业平均水平。 鉴于银行的系统性，我们继续认为政府对CMB的特别支持的可能性很高
非常有用和信息丰富的关于信用卡的文章
我的第一张信用卡还是在第二家单位时，公司合作的银行上门来办理的，基本只要申请就可以出来。这些年时不时的问我要不要提高额度都婉拒了。自制力有些差，不想刷爆了卡遇到还卡的窘境(￣∇￣)
对我来讲，很多东西有一个就很不错了~
我现在只缺一张信用卡。
目前一张京东小金卡（兴业银行储蓄卡），一张农商银行的卡（生活费的来源），农行卡（学校奖助的来源），邮政卡（唯一一张成功绑定了paypal的卡），其实我很想全部都注销只留一张。= =、
really very essential post. credit card is important card. great writing nice article. thanks for @rivalhw