成日cut 信用咭會否被black list?

唔會black list,有些會當你以繳年費理由cut卡,而豁免你年費,但亦會因你唔用而拒絕豁免。其實申請卡之前你可考慮清楚,申請的目的,萬一要繳年費,便把它cut丟。

太多信用卡,對於不善理財的人當然唔好,因為可能引至負債。
若要畀年費的話太多當然唔好啦,因為若果用不著,年費是白繳,金錢上的優惠未必多得過付出的年費。
但倘若全都係免年費的話,對善於理財的可能會有好多算數,因為每張卡都有唔同優惠及功能。
事實上唔需要每次都帶晒所有卡出街,最有用的才隨身攜帶,其餘的好好收藏,有機會發揮其作用(取優惠)時才帶它出街。

到目前為止,未有迪士尼信用卡出過。

Q1. No. no banks will blacklist your name as you cancel your cards at your own decision.

Q2. The problem of holding too many cards are 1) how to safe guard all the cards as you will be liable to the loss if one of them is lost 2) it may affect your future borrowing as you have been accumulated with so many credit facilities.

Q3. seems not. the only possible bank is Standard Chartered bank.