1. Credit card line sharing means that the credit cards of the same bank held by the same cardholder use a common line. The maximum amount that a cardholder can use is subject to the maximum amount of all credit cards under his name. For example, if you hold two credit cards of China Everbright Bank, with a credit card limit of 3,000 yuan and a credit card limit of 10000 yuan, then the total amount you can use is not 13000 yuan, but 10000 yuan.
Benefits of multi-card quota sharing in the same bank:
1, different cards, different rights and interests.
2. collect. Nowadays, credit cards are becoming more and more beautiful, so many people like to collect them, but don't activate them at this time, lest the bank charge an annual fee.
3. With multiple cards, it is possible to get a large card, but the premise is that the credit card must maintain a high credit card rate and cannot be overdue.
Disadvantages:
Multiple cards in the same bank are more likely to lead to overdue. If the repayment is not made on the final repayment date specified in each card, it will be overdue.
Second, the credit cards of different banks under the same person's name are superimposed.
The maximum amount that a cardholder can use is the sum of the maximum amounts of credit cards of all different banks under his name. For example, if you hold China Everbright Bank 1 credit card with a credit line of 3,000 yuan and ICBC credit card 10000 yuan, the total amount you can use is 13000 yuan instead of 10000 yuan.