Credit line sharing between two credit cards also occurs between the main card and the auxiliary card. The credit lines of the main card and the auxiliary card are shared. The main card can set the credit line of the auxiliary card, for example, the credit line of the main card is 5000 yuan, and the credit line of the auxiliary card can be set to 2000 yuan. In short, the credit limit of the secondary card cannot exceed the credit limit of the primary card. Supplementary cards are usually handled by parents for their children (they can also be used by others), which can effectively monitor children's consumption.
Two independent credit cards of the same bank share the quota when spending, but they will be recorded separately when entering the account, and will be repaid separately when repaying; The consumption of the secondary card is charged to the main card, which can only be repaid by the main card, but the annual fee of the secondary card is generally half of that of the main card, which can be reduced or exempted according to the number of swipes.
In fact, there is no need to apply for two credit cards in the same bank except the main card and the auxiliary card. After all, the quota will not overlap, and it will increase the difficulty of handling cards. If the repayment date is confused, it will have a great impact on personal credit information, so it is best not to apply for two credit cards in the same bank at ordinary times.
If you want to achieve the effect of overlapping credit lines through multiple credit cards, it is best to apply for credit cards from different banks, so that you will get the effect of overlapping credit lines when using them. Although your credit limit is relatively large, you must be careful when using credit cards to prevent you from being unable to repay in time after excessive consumption.