中文：

银行卡数量超限是指一个人在同一家银行或不同银行拥有过多的银行卡，超过了银行规定的限制。这是一种常见的现象，特别是在一些信用卡比较普及的国家。

对于个人来说，拥有过多的银行卡并不是一件好事。首先，管理这么多的银行卡需要花费很多时间和精力，而且容易造成混淆和错误。其次，这些银行卡中可能有不少是低效或者无效的，导致资源的浪费。最后，如果其中某张银行卡出了问题，那么可能会对其他银行卡产生连锁反应，增加风险。

因此，建议个人减少不必要的银行卡数量，只保留最常用、最有效的几张银行卡。同时，定期检查和清理无效或低效的银行卡，避免资源的浪费和风险的增加。

英文：

The term "bank card quantity limit exceeded" refers to a person having too many bank cards, either at the same bank or different banks, exceeding the limits set by the bank. This is a common phenomenon, especially in countries where credit cards are more prevalent.

For individuals, having too many bank cards is not a good thing. Firstly, managing so many bank cards requires a lot of time and effort, and it can easily cause confusion and errors. Secondly, there may be quite a few inefficient or invalid bank cards among them, leading to a waste of resources. Finally, if one of the bank cards has a problem, it may have a chain reaction on other bank cards, increasing risks.

Therefore, it is recommended that individuals reduce the number of unnecessary bank cards and only keep the most commonly used and effective ones. At the same time, it is necessary to regularly check and clean up invalid or inefficient bank cards to avoid wasting resources and increasing risks.