How many cards can one account open?
Up to 3 active cards at a time and 3 in total lifetime (closed cards still count). The two caps are equal, so once you have opened 3 cards, closing one does not let you open another. This is a hard risk-control limit that protects the BIN's reputation — if a BIN gets blacklisted by merchants, every user suffers. Contact support if you genuinely need a higher cap.
"How many cards can I open" actually hides two different questions: how many you can hold at any one moment, and how many this account can open in total over its lifetime. We manage these two things with two independent locks — 2 governs "right now," and 3 governs "lifetime." Confusing these two locks is a common source of misunderstanding when card creation gets blocked.
2 active and 3 lifetime are two different locks, with different rules for using up and freeing slots
| Dimension | 2 active card limit | 3 lifetime card limit |
|---|---|---|
| What it governs | The number of cards in use right now | The total number of cards opened since the account was created |
| What uses up a slot | Every card that hasn't been closed or expired | Every card ever opened, including closed and expired ones |
| How slots are freed | Close or expire one card and an active slot opens up immediately | Never freed; the lifetime count only goes up, never down |
| What to do when you hit the ceiling | Close an idle card and you can open a new one, as long as your lifetime count is still under 3 | An account-level hard cap; if you genuinely have higher usage needs, submit a support ticket to explain |
This hard limit isn't stinginess — it protects the BIN reputation shared by all users
A BIN (the first few digits of a card number) identifies the issuer and the card product. Merchant-side payment risk control doesn't look at a single card in isolation; it builds a long-term profile by BIN range: once a range shows a wave of abuse, fraud, or bulk exploitation, merchants flag the entire range or even blacklist it. At that moment, every legitimate user on that BIN sees card binding and charges fail together, and switching cards doesn't help — the replacement comes from the same range. Keeping any single account's card volume within a hard limit cuts off this externality at the source. The industry practice of issuing cards with no cap looks generous, but the price is spreading the reputation risk of the entire BIN onto everyone; we do the opposite.
Don't rush to open a second card: a card's limit is a total pool you can top up, not a monthly allowance
Many people assume that once a card's limit is used up they have to open another, but a card's limit is a one-time total pool for that card: each successful purchase is deducted from it, and running it down doesn't void the card — topping up the card (2% service fee, transferred from your platform balance in real time and effective instantly) raises the total limit back up so you can keep using the same card. For most subscription scenarios, a single card is enough from start to finish; there's no need to spend a precious card-opening slot just to get a one-time chunk of limit.