Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Card count itself is not the core factor
JCIC says the number of cards is not directly included in scoring.
Management still matters
More accounts can mean more due dates, fees, and subscriptions.
Do not open cards merely to 'build credit'
Payment and debt behavior matter more.
Check all pending charges before closing
Avoid missed subscriptions or fees.
Official reference
JCIC — improving personal credit ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.