How to Manage Multiple Credit Cards?
By Ankit Sharma
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Tips for managing several credit cards at the same time

Keep a tab on the billing cycle

Billing cycle is the cut-off date on the credit card bill. In other words, it is the last date by which the bill needs to be paid. Card issuers set a billing cycle at the time of issuing a credit card to customers. When owning multiple cards, the secret is to time the purchases in such a way that a person gets ample time to clear his dues on every card.

Keep a check on the interest rates

Always keep a check on the interest rates that are being offered. Card issuers may charge interest @ 2.75 percent on one card and 3 percent on another card. If an individual has had a good payments history and has been a loyal customer for a long time, then he can negotiate for lower interest rates with the issuer.

Annual charges

Some credit card issuers such as ICICI Bank have done away with the annual fees requirement on most of their credit cards. State Bank of India charges a nominal Rs. 499 on many of its cards. If a credit cardholder has been using a particular card for some time and has a sound payment record, then he can negotiate for the removal of annual fees on his card. On persistent requests by loyal customers, issuers do oblige and eliminate the annual fees on their cards.

So, instead of focusing on the number of credit cards that one should own, people should focus on managing their existing cards in the best way to enjoy its benefits while staying away from its pitfalls.

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