How many cards can one account open?
By default, a new account can hold up to 5 active cards at a time and open 5 cards lifetime (closed ones included). As your usage grows, click “Request a limit increase” on the card-opening page — the system reviews it automatically and it takes effect once approved; if it isn’t approved, contact support. Keeping each account’s card volume in check protects BIN reputation — if a card range gets blacklisted by merchants, every user suffers.
"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: the active-card limit governs "right now," and the lifetime limit governs "lifetime" (closed cards count too). Both default to 5 for a new account; as your usage grows, you can request a limit increase on the card-opening page, and the system reviews it automatically. Confusing these two locks is a common source of misunderstanding when card creation gets blocked.
The active limit and the lifetime limit are two different locks, with different rules for using up and freeing slots
| Dimension | Active card limit (5 by default) | Lifetime card limit (5 by default) |
|---|---|---|
| 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 to free an active slot, or request a limit increase on the card-opening page — the system reviews it automatically and it takes effect as soon as it is approved | Request a limit increase on the card-opening page; when approved, the lifetime limit is raised along with it. If it isn’t approved, or you have reached the ceiling for automatic increases, contact support |
This 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 each account's card volume in line with its real usage — new accounts start at 5 cards, with more unlocked step by step once there is a genuine usage record — 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 when it runs low, topping up the card (service fee from 2%, tiered by monthly volume down to 0.5%, 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.