1. Generally speaking, most banks have credit card limits. Credit card quota sharing means that the credit cards of the same bank held by the same cardholder use a common quota, and there is no need to apply for the credit cards of the same bank. The provisions of ordinary banks are as follows:
(1) Credit card of China Construction Bank: The credit line of all credit cards (including supplementary cards) under the same name is shared, and the sum of overdraft lines of all cards cannot exceed the credit line of the card with the highest credit line. If you hold a dual-currency card, the RMB and the quota are also shared. If the original credit card line is used for consumption installment, it will occupy the available line (such as consumption installment, bill installment, cash installment and merchant installment); Handle the large-scale special installment of CCB (such as car purchase installment and housing installment) without occupying the available quota;
(2) Bank of Communications Credit Card: The credit card limit of Bank of Communications is shared, which is the highest credit card limit. The difference between a gold card and a Puka is useless, but a gold card is a status symbol. And installment also accounts for the total amount;
(3) CITIC Bank Credit Card: Credit line of CITIC Credit Card is shared, and credit line is occupied by installment payment.
2. Not all banks' credit card quotas are shared. For example, the cardinal card of deep Auchan and the deep card are independent; In some areas, the Bank of China series and the Great Wall series may still exist independently; In some areas, some ICBC cards may still exist independently. Please consult the bank for details.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
3. Note when using: (1) Repay in full to avoid cyclic interest calculation; (2) Temporarily increase the credit line to avoid the explosion of credit cards; (3) The minimum repayment amount must be sufficient to avoid late payment fees;
References:
I love cards-are credit cards handled by the same bank shared?
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 reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress 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.
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.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Are the two credit cards in the same bank shared?
All credit cards under the same bank user name are shared.
But the credit card quotas of different banks are not shared. There are two credit cards from different banks, and the total amount can be accumulated. For example, if the credit card limit of Bank A is 20,000 yuan and the credit card limit of Bank B is 30,000 yuan, then the credit card limit can be accumulated to 50,000 yuan. Moreover, two credit cards, with different card grades and different card issuers, can provide users with different rights and interests.
The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
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 reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will also be improved. It is predicted that the cumulative number of credit cards issued in China will exceed 800 million in 2020.
Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
CITIC's credit card limit is very empty. Do electronic cards share a line?
CITIC Virtual Credit Card shares the credit line with other credit cards.
CITIC Virtual Credit Card can realize consumption payment for different consumption scenarios and purposes. Users of CITIC Bank's credit virtual card can check your quota and available quota in the dynamic card space APP. At present, CITIC Bank has restrictions on virtual cards. Generally, each cardholder can open up to three virtual cards at the same time, and the cumulative application for opening no more than five cards in a natural year.
So much for the introduction of electronic credit card quota sharing.