It is exclusive.

The credit limits of all credit cards with the same name (including supplementary cards) applied for by the same bank are exclusive, which means that the sum of the overdraft limits of all credit cards you apply for by the same bank cannot exceed the maximum. The limit of the credit card. If you hold a dual-currency card, the amounts in RMB and foreign currencies are also exclusive.

The so-called "*** credit limit" means that all credit cards held by the same cardholder use the same credit limit.

Limit *** sharing means that credit cards from the same bank share the same limit. Although several cards have their own single card limits, the total overdraft during use cannot exceed the credit card limit* The **exclusive limit is determined according to the maximum limit of the credit card you hold. That is to say, if you hold a Guangfa Bank credit card and have a credit card with a limit of 5,000 yuan, and a credit card with a limit of 10,000 yuan, then you*** The limit is 10,000 yuan.

Why do you need two credit card limits?

In fact, there are reasons why many people apply for two credit cards. For example, they can enjoy different benefits, and there is a curved increase in credit limit.

1. Credit card rights

There are many types of credit cards issued by banks. Common ones include standard credit cards, co-branded cards, and some specialty cards. Different card types have different rights. In order to enjoy If you have more rights, you will get multiple cards to meet your needs.

For example, many high-end business travelers who have cars in their names will apply for a car owner’s credit card to enjoy car service benefits, such as gas discounts, vehicle maintenance, roadside assistance, etc.; because they may often fly around on business trips, There are also some airline co-branded cards that can be used to exchange points for miles, and some can even be exchanged for air tickets, etc.

2. Curved limit increase

Many friends have used their first credit card for a long time and have exhausted all methods and cannot increase the limit, so they will find other channels to increase the limit, such as through Apply for a credit card with a higher level to increase the limit in a curved manner. For example, for a gold card, you can apply for a platinum card. If the card is successfully approved and the limit is higher than the first card, it means that the curved line increase is successful.

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