Yes, multiple credit cards applied by one person in the same bank are limited.

A person applies for two credit cards in the same bank, and the bank gives him a credit limit of 1, yuan, so he can only use 1, yuan in these two cards. Expand the information

Ways to improve the credit limit

1. Fully prepare all kinds of asset certificates. At the beginning of the application, because you don't have any consumer credit records in the bank, the bank evaluates your various income assets and then decides how much credit line to give you. If you want to greatly increase the credit limit when applying, you should carefully prepare all kinds of credit certificates, and don't bother.

you should submit all the income certificates, house property certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.

2. Fill in the details of the form carefully. When filling out the application form, there are several small details that affect the credit line, such as whether you have a fixed telephone number in this city, whether this number is registered in your own name or the name of your family, whether you are married, whether your mobile phone number has a monthly rent, and whether it is a local account.

If the above answers are in the affirmative, the bank will greatly increase your credit evaluation, but each condition is not absolute, but it is relatively easy to pass the qualification examination and increase the initial consumption limit application. Consumer credit and repayment credit are still the most important for the bank.

3. Don't forget to swipe your card anytime and anywhere. During the period of using the card, you should spend more by swiping the card. You should try to choose a store with swiping the card for food, clothing, housing and transportation. The more frequently you use it, you will have a relatively stable spending quota every month, just changing the original habit of cash consumption to swiping the card.

This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.

4. Repay on time and maintain good credit.

if you owe money, you can borrow it only if you have it back. Banks also strictly follow this ancient truth. If you don't pay back on time, you will definitely have no credit. You'd better pay back in full, not just the minimum repayment amount. Cyclical interest will make you unbearable.

5. Take the initiative to apply for increasing the credit limit.

after half a year's normal use of the credit card, you can actively apply in writing or adjust the credit line through the service phone, and the bank needs to approve it. Under normal circumstances, your credit line will be increased to a certain extent after reviewing the consumption records and credit records. Resources Baidu Encyclopedia-* * * Enjoy the quota