Line sharing means that the credit cards of the same bank share the same line, and the sharing line is subject to the maximum line of your credit card.

For example, if you have a credit card with a line of 1000 and a credit card with a line of 30,000, the sharing line is 30,000 yuan, which means that when the card with a line of 1000 spends 5,000 yuan, the card with a line of 30,000 can only use the remaining 25,000 yuan.

Although the credit card limit of the same bank is shared, the repayment should be "different cards", and different cards should repay according to their own consumption amount. However, due to the different regulations of banks, for example, China Merchants Bank can return the total consumption of multiple credit cards to one card.

The first time a credit card is used, the amount is usually not high. The credit card limit depends on the applicant's comprehensive score and credit card grade. Credit cards are generally divided into three grades: ordinary cards, gold cards and platinum cards.

Generally speaking, the credit card limit has the following three ranges:

Ordinary card amount: 1000- 10000 yuan, no gold card 50000 yuan. ;

Gold card limit: 10000-50000 yuan. Because the city card only has a gold card, the amount is between 5000-50000 yuan. ;

Platinum card limit: generally more than 50 thousand yuan, the highest can reach more than 200 thousand yuan.

Unlimited card: only platinum credit card users are invited to issue cards. The amount is the same as that of a platinum card, exceeding 50,000 yuan.

Black card: the amount is about 200-100000.

There is no fixed credit limit, which is related to the cardholder's personal qualification. The maximum credit line can reach 6.5438+0 million, and the minimum credit line can also be "zero".

② Repayment prompt:

Overdue repayment of credit cards will not only affect personal credit records, but also affect future loan applications. Remember your repayment date. Paying on time or in advance will help to increase the credit card limit.

Note: Be sure to master the time rhythm of swiping your card. Overdue repayment will lose loan interest.

You can enjoy an interest-free period of up to 50 days by swiping your card on the second day of the billing date;

If you swipe your card the day before the billing date, the minimum interest-free period is 20 days.

③ Staging strategy:

Appropriate use of installment repayment to contribute interest income to banks is also conducive to increasing credit lines.

It is suggested that the installment period is 3-6 months, and it is recommended to be small, short-term and economical.