Has been shared.

The credit lines of all credit cards with the same name (including supplementary cards) applied by the same bank are shared, that is to say, the sum of the overdraft lines of all credit cards applied by you in the same bank cannot exceed the maximum card limit. If you hold a dual-currency card, the sum of RMB and RMB is also shared.

The so-called "shared credit line" means that all credit cards held by the same cardholder use a common credit line.

Credit line sharing means that credit cards of the same bank share the same credit line. Although several cards have their own single credit limit, the total overdraft cannot exceed the shared credit limit. The shared credit limit is determined according to the maximum credit limit you hold. In other words, if you have a credit card with a credit limit of 5000 yuan and a credit card with a credit limit of 10000 yuan, then your shared credit limit is 10000 yuan.

Why do I need two credit card lines to share?

In fact, many people have two credit cards for a reason, such as enjoying different rights and interests and withdrawing cash by curve.

I. Credit card rights and interests

There are many kinds of credit cards issued by banks, including standard credit cards, co-branded cards and some special cards. However, different types of cards have different rights and interests. In order to enjoy more rights and interests, more cards will be issued to meet their own needs.

Like many high-end business travelers with cars under their names, they will apply for the owner's credit card and enjoy the rights and interests of car services, such as gas concessions, vehicle maintenance, road rescue and so on; Because you may fly frequently on business trips, you will also run some airline co-branded cards, which can exchange points for mileage, and some can even exchange air tickets.

Second, the curve amount.

Many friends have used their first credit card for a long time, and all kinds of methods have been exhausted, so they can't withdraw cash. They will find other channels to withdraw the money. For example, they can apply for a platinum card by upgrading their credit card to a higher level. If the card is approved successfully and the amount is higher than the first card, it means that the curve cash withdrawal is successful.

Then you can call the bank service hotline, transfer the manual service, and apply to the customer service to adjust the first card quota to the same level as the second card quota.

Is the credit card limit of the same bank shared?

Share the credit card quota of the same bank. The sum of overdraft limits of all cards cannot exceed the limit of the card with the highest limit.

The credit limits of all credit cards (including supplementary cards) under the same bank name are shared, and the sum of overdraft limits of all cards cannot exceed the limit of the card with the highest limit. If you hold a dual-currency card, the RMB and the quota are also shared. If you use the original credit card amount for consumption installment, it will occupy your available amount (such as consumption installment, bill installment, cash installment and merchant installment); If you handle large special installment (such as car purchase installment and house purchase installment), it will not occupy your available quota.

The credit cards of the same bank are all shared. The second credit card applied by the same bank refers to the first credit line without providing large financial proof. You can't apply more than once to get a high quota.

Application conditions for bank credit card: the age is between 18-65. Have a stable job and income. Good credit and ability to repay the principal and interest on time. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed to enter).

Are the two credit card limits of China Bank shared?

China Bank shares the credit card quota of the same name, but needs to repay separately. For details, please call China Bank Credit Card Customer Service Hotline.

The above contents are for your reference. Please refer to the actual business regulations.

Are multiple credit card lines of a bank shared?

A bank shares multiple credit card limits.

Many credit cards in the same bank are shared by quota. All credit cards of the same bank held by the cardholder share the same quota, which is "quota sharing". If a user applies for multiple credit cards in a bank, they are all "shared", and the credit limit cannot be accumulated, so the maximum credit limit can be shared.

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

So much for the introduction of credit card quota sharing.