How many cards are too many?卡太多多少?

Scott, you have too many credit cards!斯科特,你有太多的信用卡!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I read your article in which you state that you have 80 or so credit cards.我看了你的文章,你说你有80多张信用卡. I'm not sure why this is advantageous.不晓得为什么这是有好处. I have cancelled all but one card which I pay in full each month and by no means see my "options" (to get into debt, I guess) as being restricted.我已全部取消,但我一卡,每月支付全额决不见我的"选择"(进入债务我猜想)为限.

For instance, I did need to carry a balance for 3 months to pay for an engagement ring at the beginning of this year.比如我本来要带一个平衡付出了3个月的接触,在今年初环. All I did was charge it to my everyday card, which has a lousy rate but gives me perks, get a new card with a low rate so I paid almost no interest for those three months, then closed that card when it was paid.我只是把它给我每天收取卡,拥有率不怎么样,但给我恩惠,找到新卡率这么低,我几乎没有付出利息为三个月然后关闭该卡时支付. This is actually better than calling the banks for the best rate because the cards with the perks almost always have the lousy rates, so you're better off putting it onto one of those cards, and then transferring it to a lower rate card, then you get the perks.这实际上是要求比银行利率为最佳,因为卡与恩惠几乎始终不怎么率所以你把它推向一个较好的卡,然后转移到一个低税率卡,那么你就得到恩惠.

The problem with having multiple cards that go unused is that potential creditors will count available credit against you when you apply for a mortgage or a car.有问题,无法使用多卡将是潜在债权人提供信用票反对,当你申请按揭或汽车.

Also, the more open accounts you have, the greater the chance of being defrauded.另外,你有更多开户,被骗的机会更大. Having only one card is by no means restrictive there are hundreds of companies who would give me a card after a 5-minute phone call.只有一卡绝非限制性的公司有数百人给我卡后5分钟的电话. I just don't see the point in keeping cards that aren't being used open.我不明白这一点,不适合用卡开. --Keith--基思

Answer答案
It's true.这是真的. Between my wife and myself (joint accounts) we have over 80 credit cards!我的妻子和我之间(联合帐户)我们有80多张信用卡!

WARNING, I am NOT advising anyone to go and get 80 credit cards!警告,我不告诉任何人去领信用卡80年! The more credit lines you have available, the greater the probability you'll increase your debt, obviously.你越是信贷额度可用,你的概率就越大,你就会增加债务,明显.

So why do I have so many cards?为什么有这么多卡?

There are many reasons:有很多原因:

1) When I borrow money I want to have many loan options.1)当我借钱贷款我想有很多选择. About half of my accounts are offering me low-rate transfer deals all the time!约半数账户我向我低利率全部转让交易时间! I have purchased used cars with my credit cards at 0%!我有我的信用卡购买旧车在0%! And because I have so many cards I can continue to transfer the balances and keep the rates less than 4% all the time.因为我有很多卡余额可以转移和继续保持利率低于4%的心境. I've been doing that for more than 10 years!我已经做了十多年!
2) I'm into this topic, saving money on credit cards.2)我为这个话题时,信用卡省钱. How can I write about credit cards if I don't have credit cards?我如何写,如果我没有信用卡,信用卡? How can I verify good credit card offers if I don't ever receive or use any?我如何验证信用卡提供良好如果我不接受任何使用或任何?
3) I actually enjoy trying to uncover the true costs of credit.3)享受我其实试图查明属实信用成本. I need lots-o-data!我需要大量邻数据!
4) Who would you want writing about credit...someone who hasn't had or used a credit card for 25 years or somebody who deals with credit cards all the time?4)谁会想要写::有人一直没有信用或者使用信用卡或25年有人针对信用卡吗?

I don't carry a balance on all of those credit cards.我不把所有的平衡信用卡. If I did, then this article would be about bankruptcy not being "debt smart."如果我这样做,那将会对这篇文章的破产并非"债务聪明"

If you think 80 credit cards are a lot then how many do you think the worlds record is?如果你认为1980年的信用卡有很多很多,你觉得那是世界纪录吗?

According to the Guinness Book of World Records Walter Cavanagh of Santa Clara, CA is "Mr. Plastic Fantastic" and blows me away with a total of 1,397 unique accounts!据<吉尼斯世界纪录的沃尔特Cavanagh合圣克拉拉,钙是"盖塑料神奇"、打击我取消户口共1397独特! I couldn't even image juggling that many credit cards.我连形象不可开交,许多信用卡.

Next, your strategy for using a card that gives you perks, at 0% for purchases, is good.接下来,用你的策略,使你恩惠卡28780%采购,是好的. You used the perk card then transferred the balance to a low rate card.你用振作卡余额转卡率为低. When you were done you closed all the accounts.当你做你关闭所有帐户. That's great!这伟大!

I personally don't close the accounts as long as the banks aren't charging me an annual fee.我个人并不密切的银行帐户,只要我不收取年费. I keep them open because they ALWAYS give me a great offer within a couple months after my balance goes to zero.我让他们给我开了很大,因为他们总是在数个月之后,我提出去余额为零. I don't want to keep applying for new accounts and closing accounts.我不想把户口申请新帐户和闭幕.

It is true that you're going to have a difficult time getting a mortgage if you have many open credit lines--even if the balances are zero.诚然,你一定会产生一种越来越困难的时候,如果你有许多露天抵押信贷额度--即使余额为零. That's because the bank doesn't want you to have the potential to get into credit card trouble since it could affect their mortgage profits.那是因为你不想向银行有可能陷入麻烦,因为它会影响信用卡按揭利润.

How many cards are too many?卡太多多少?

When you apply for a mortgage the bank may ask you to close some credit card accounts before they grant you a mortgage.当你申请按揭银行可要求你关闭一些信用卡帐户,才给你抵押. When I purchased my home I had 24 credit card accounts and I got the mortgage with no problem and no questions asked.我当我买我家有24信用卡帐户我得到的无抵押、无问的问题. Each bank has it's own lending policies.它每行的贷款政策.

As far as having a greater chance of becoming a victim of fraud, I doubt the number of cards is going to make you a greater target.据有更大机会成为被害人诈骗我怀疑有多少证你要去更大的目标. In the last email newsletter my friend, Robert Gamble, told his story of identity theft where someone was trying to get new credit lines in his name.在过去的电子邮件简讯的朋友罗伯特赌博他的故事身分窃取别人那里得到新的信贷额度试图在他的名字.

Actually, when you think about it, someone would have a difficult time getting new credit in my name.其实,当你想想看,有人有困难的时候越新的信用我的名字. If they tried they'd probably get rejected because I have so many accounts right now.如果他们试图直截了当拒绝,因为我有可能得到这么多的户口现在. If I only had 2 accounts open then it would be much easier for someone to defraud me with identity theft.如果我有200只开放帐户那就更容易为我提供了一个身份盗窃诈骗. Ironic isn't it?讽刺不是吗?

And since I don't carry all those credit cards with me, I only carry 2 in my wallet, I don't have to worry about losing the actual cards.既然我不把所有信用卡,所以我只能把钱包2、我不用担心失去实际卡. Also, I keep a list of all the items in my wallet just in case I do ever lose it.另外,我把所有的物品清单钱包以防万一我不断失去. Plus I have every account and every phone number in a database so I can contact each bank if there ever was a problem.加上我每到一个数据库,并在每个电话号码可以让我接触了各银行如果有任何问题.

You said that you don't see the point to having that many credit cards.你说,你一点也看不出有很多信用卡. The point is a personal point, Scott's choice, for Scott's reasons.个人的一点是一点,演奏的抉择,他演奏的原因. It works for me and may not work for everyone.它是我和大家可能不工作. I attribute getting out of debt to having all those credit cards.我走出属性拥有所有的信用卡债务. I learned how to beat the system by being immersed in it and developing good "Credit Card and Debt Management."我学会了打制和发展好它正沉浸在"信用卡和债务管理"

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