1. Generally speaking, most banks’ credit card limits are exclusive. Credit card limit sharing means that the same bank credit card held by the same cardholder uses the same limit, so it is not necessary to apply for credit cards from the same bank. Common bank regulations are as follows:

(1) China Construction Bank Credit Card: The limit of all credit cards (including supplementary cards) under the same name is for exclusive use, and the sum of the overdraft limits of all cards cannot exceed the maximum limit. The limit of that card. If you hold a dual-currency card, the limits of RMB and foreign currency are also applicable. If you use the original limit of your credit card to make purchases and apply for installments, the available limit will be occupied (such as consumption installments, bill installments, cash installments, merchant installments); if you apply for large-amount special installments from China Construction Bank (such as car purchase installments, housing installments), it will not Occupying the available limit;

(2) Bank of Communications credit card: The Bank of Communications credit card limit is exclusive, and the limit is the limit of the highest credit card. And there is no difference in usage between gold cards and ordinary cards. The gold card is just a status symbol. And installment payment also occupies the total quota;

(3) CITIC Bank Credit Card: CITIC Credit Card quota is exclusive, and installment payment occupies the quota.

2. Not all banks’ credit card limits are exclusive. For example, Shenzhen-Shenzhen’s Auchan Red Bird Card and Shenzhen-Shenzhen Express Card are independent; in some areas, the Bank of China series and the Great Wall series may still have independent limits. ; in some areas, some ICBC cards may still exist independently. Please consult each bank for details.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

3. When using, please pay attention to: (1) Repay in full to avoid recurring interest; (2) Temporarily increase the credit limit to avoid maxing out the credit card; (3) The minimum repayment limit must be sufficient to avoid incurring Late payment fees;

Reference materials:

My Love Card—Does a credit card issued by the same bank have the exclusive limit?