The two credit card limits of Postal Savings Bank are exclusive.

The credit limits of fellow credit cards are all exclusive. The specific limit is based on the higher of the two cards.

For example, the limit of one credit card is 10,000, and the limit of another postal credit card is 20,000, then the overdraft amount of these two credit cards totals 20,000 and the usage amount of the two cards is similar. Add, instead of separately one can overdraft 10,000, and one can overdraft 20,000.

The credit card limit is also commonly referred to as the available limit of a credit card. It refers to the maximum amount that can be used by the credit card you hold. It includes Credit limit (that is, the maximum limit that a credit card can be used for overdraft) and the amount of money deposited on the credit card.

Extended information

In fact, every credit card has a hidden over-limit limit. When the credit card is maxed out, it is easy to use the over-limit limit. Once the over-limit limit is used, , which means paying high over-limit fees.

Many consumers are not sure about the shopping process and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit. The minimum repayment amount must be sufficient to avoid late payment fees

In daily life, we often encounter problems with capital turnover. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees. ?

Usage Notes:

1. The overdraft interest is 0.5% of the daily interest rate, and compound interest is charged monthly.

2. If you pay with a credit card in full before the payment due date, you can enjoy interest-free, that is, there is no interest.

3. If you only pay the minimum repayment amount, you will not receive this treatment. Interest will be charged from the next day after consumption. If you withdraw cash, it does not matter whether the full payment is made before the due payment date. Interest is unavoidable and will be charged at 0.5% on the day.

4. If the payment is overdue, there will be a late fee, which is a one-time charge of 5% of the unpaid portion of the minimum repayment amount.

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