What are the advantages and disadvantages of one person holding multiple credit cards? Will it affect the credit record?
First, the risk of zombie credit cards to cardholders:
1. Risk of brush theft.
The zombie card has been dormant for a long time, and it is not easy to be detected by the cardholder after being obtained by others, which greatly increases the risk of being stolen.
2. Generate an annual fee
In some banks, some special credit cards, regardless of whether the credit card is activated or not, once the cardholder signs for confirmation, the bank will charge an annual fee, which will not only increase the cardholder's expenses, but also cause overdue repayment.
3, affect personal credit
As long as the credit card application is approved by the bank, whether it is issued or not, the card will appear in the credit report of the cardholder. Some special credit cards of some banks will charge an annual fee if they are not activated. Cardholders are likely to default on the annual fee without knowing it, thus affecting their personal credit records. Re-applying for a credit card or bank loan will have an impact.
Second, the risks brought by zombie credit cards to banks:
1, increasing the burden on the banking network system.
The dormant card is inactive for a long time, which takes up a lot of network resources of the bank, so it is necessary to calculate the interest automatically on the dormant card regularly. Over time, it will bring huge burden to the bank's network system, increase the difficulty of bank management, and more importantly, it will not bring any expected annualized expected income to the bank.
2. Waste of bank funds
Although the number of bank cards is increasing, relevant data show that more than 40% of the credit cards issued by banks are lying in users' homes. Sleep card not only wasted the cost of business card printing, but also wasted a lot of human, material and financial resources of banks. It is roughly estimated that the cost of capital wasted by banks is as high as tens of billions.
Third, how to solve too many problems in sleep card?
1. Bank: In addition to issuing cards reasonably and reducing fees, strengthening differentiated services by banks is the core way to improve the live card rate. In addition, combining with mobile Internet consumer finance, bringing forth the old and bringing forth the new is also a way to crack the credit card activity rate.
2. Individuals: Apart from the vigorous implementation of banks, individuals are also the main problem in sleep card. Many cardholders blindly handle a lot of credit cards for card gifts or because they can't stand the introduction of relatives and friends. After processing, it is useless, so there will be many zombie cards. Only when the cardholder realizes this problem can he stop the extension of the zombie card and handle the card rationally. Only 2-3 credit cards can be used, and credit cards that have not been used for a long time can be completely cancelled.