2. In Minsheng Bank, there is already a credit card with a credit line of 50,000 and another credit card with a credit line of 20,000. Then the maximum amount of sharing is only 50 thousand.
That credit card with a limit of 20,000 can only spend 20,000, not 25,000 things. But you can use a 50,000 credit card to pay the 25,000.
Suppose your credit card with a credit limit of 20000 has been overdrawn, then that credit card with a credit limit of 50000 can still be overdrawn by 3W. Because your sharing quota is only 50 thousand.
At present, credit cards of all banks in China are shared by quota, without exception. Therefore, if you apply for multiple credit cards in the same bank, the amount will not increase unless you apply for withdrawal.
Extended data:
Although multiple credit cards in the same bank share the same quota, the repayment is "different from cards", and different cards should be paid off separately 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 several credit cards to one card.
Generally speaking, the amount of the first credit card is not very 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, there are three types of credit card limits:
General card amount: 1000- 10000 yuan, 50000 yuan without a gold card. ;
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, and the amount is the same as that of platinum cards, more than 50 thousand yuan.
Black card: the amount is about 2 2- 10/00000.
There is no fixed credit limit, which is related to the cardholder's personal qualification. The maximum credit line can reach more than 6.5438+0 million, and the minimum credit line may also be "zero".
Credit card limit can be increased, including temporary limit and fixed limit.
Basic strategies of credit card withdrawal:
Number of swipes:
20-30 credit cards per month, small amount of high-frequency consumption, recognized by the bank as a quality user.
Credit card 1-2 is swiped every month, which belongs to large low-frequency consumption, and the bank recognizes it as a cash user.
Small coup for repayment:
Overdue repayment of credit cards will not only affect personal credit records, but also affect future loan applications. Remember your repayment date. Repayment on time or in advance helps to increase the credit card limit.
Note: Be sure to master the time rhythm of swiping the card, and overdue repayment will lose the loan interest.
You can enjoy a maximum interest-free period of 50+ days by swiping your card the next day after the billing date;
The minimum interest-free period is 20 days if you swipe your card one day before the billing date.
Staging strategy:
Proper use of installment repayment will help the bank's interest income and increase the credit line.
It is suggested that the installment period is 3-6 months, and it is recommended to be small, short-term and economical.
Card swiping taboo:
Due to the following incorrect credit card swiping behavior, the credit limit will be reduced to 1 yuan. Please avoid it effectively.
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