I applied for a credit card with China Construction Bank and received two 2 cards. The credit limit is still different? Can both be used?

Both can be used after activation

If you hold multiple CCB credit cards at the same time, they will all use the same maximum number. The limit is, for example, 6,000 for card A and 11,000 for card B. When card A uses up 6,000, card B can only use 5,000. In other words, the sum of the two cards can be used up to 11,000, not 17,000, and card A cannot be used more than 6,000. In addition, if you use both cards, remember to repay separately according to the card number. Can I use two credit lines with a transportation card?

It can be used normally. That is, both cards use the same credit limit.

For example: the credit limit is 2,000 yuan. Spend 1,000 yuan with card A. Then when you swipe card A or B for consumption, you can spend up to 1,000 yuan. Will the limit be different if I apply for two China Merchants Credit Cards?

Will it be different?

Credit card application conditions:

Aged 18 and below 65 years old;

A second-generation ID card is required;

Proof of employment and income stamped with the financial seal of the company;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Provide personal information to the bank, and photocopies of the information;

Send by the bank To the credit card center;

The credit card center will conduct audit, card printing, and card issuance;

After I get the card, I will open the card and wait for the password letter.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high. The two credit cards have the same account number. Can both cards be used?

If it is a China Merchants Bank credit card, you can only use the new one.

After the new card is activated, the old card will automatically become invalid. I have applied for two credit cards at China Construction Bank and the amount of the credit card will be deducted from both cards. Do I need to repay both cards?

The credit limit is exclusive. CCB Mobile Banking has a credit statement. Just turn it on. You can see that you only need to repay 1 credit card

You can use the same limit on both Everbright credit cards

If the credit limit approved by the bank is not enough, you can apply for an increase.

There are the following ways to increase your bank credit card limit:

Provide sufficient proof of financial resources when applying for the card. When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also help to get a higher credit limit under approval;

Swipe as many cards as possible Consumption. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc., and spend as much as possible in physical stores. The bank's credit card center will adjust the limit based on the cardholder's credit card utilization and repayment record;

Ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. Once it is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the bank's customer service hotline and apply for an extension of repayment;

Apply for an increase in the temporary limit.

Bank credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that the demand for credit cards is relatively strong, so it is not difficult to increase the fixed limit. The temporary limit needs to be paid off in one go, so cardholders should be careful not to incur late payment fees. I received two special-shaped cards from Minsheng today. The credit limit is the same, right? Both credit cards are acceptable.

One of them is a supplementary card. Hello! I have applied for two GF credit cards, each with a credit limit of 8,000 yuan. Does the total credit limit of the two credit cards add up to 8,000 yuan?

If you apply in the same region, you will enjoy the quota! Credit cards, do these two cards enjoy the same credit limit?

If it is the China Merchants Bank All-in-One Card, all credit cards (including supplementary cards) under the principal cardholder’s personal card name enjoy the same fixed limit. The credit card limits will not add up. Two Shanghai Pudong Development Bank credit cards have been approved, but the limits are different

The two credit cards of Shanghai Pudong Development Bank have exclusive quotas. If you have opened online banking, you can log in to your online banking and try to apply for the one with a lower limit. Applying to increase the limit of a credit card is the same as the credit card with a higher limit. If the limit adjustment is successful, it should be the exclusive limit. If it is unsuccessful, it should be independent. The most accurate way is to call and ask.