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Rais M
04 Mar 2020
Accountant at SME
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There is no right or wrong... but the thing is unless you are really a big spender , you canโt possibly use all the cards.
( i use credit card like debit cards)
As Long as you paid up on time, it wonโt affect.
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Andy Sim
03 Mar 2020
HR Professional at a Financial Institution
Hi Izz, I've always advocated to apply credit cards only when you need it or there's occasional very...
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I had signed up mutiple cards over the last 3 years to take advantage of the sign up bonus. And each time, I downloaded my credit score. Nothing happened and I remain in AA.
Additonal info: I still have multiple installment payment over these 3 years and I also pay my outstanding credit card statements on time.
I believe the key point here is to always pay your outstanding credit card bills on time. As long as you do so, your credit score will not be affected.