You can exchange the difference in the limit between the two Xingye cards to another card. The Industrial Credit Card limit is exclusive. Two or more Industrial Credit Cards and their accounts under the same person's name are entitled to a maximum limit. Cardholders should be careful not to exceed the limit when making overdraft purchases, otherwise Over-limit fees will be incurred and even personal credit will be affected.

The role of credit cards

Relieving financial pressure. The main function of a credit card is overdraft consumption. When users are in urgent need of money, credit cards can relieve temporary financial pressure. Consumption convenience. Compared with cash consumption, credit cards are easier to carry and reduce the spread of bacteria caused by the contact of multiple people with banknotes.

Discounts save money. Banks generally cooperate with merchants to launch various discounts and promotions to reduce user expenses. Accumulate user reputation points. Frequently swiping your credit card can accumulate personal credit, which is convenient for handling various businesses. The use of credit cards belongs to advanced consumption, and users need to establish a correct concept of consumption and not spend blindly to avoid owing huge bills.