At present, it is not stipulated that the same bank can handle multiple credit cards. It should be noted that the same bank can apply for multiple credit cards, but the credit limit is shared, that is, the credit card with the highest limit is the highest limit.
In the case that the same bank holds multiple credit cards at the same time, the credit lines of multiple credit cards are the same. Generally, credit cards with low credit lines enjoy the available credit lines of credit cards with high credit lines.
For example, Miss Wang holds three credit cards of a bank with a credit limit of 30,000 yuan, so these three credit cards share a credit limit of 30,000 yuan. When she used one card to overdraw 4000 yuan, the other two cards could only overdraw 26000 yuan.
If there is no credit card quota sharing, a credit card will be awarded 20 thousand yuan. If users apply for five cards, they will be able to overdraw 654.38+million yuan, far exceeding their repayment ability, which will be risky for banks.
Extended data:
Applying for multiple credit cards at the same time may affect the credit information.
Because there is a very important reference for credit card approval-credit report, that is, when we apply for a credit card, the bank will inquire about our credit, and this inquiry record will appear on your credit the next day.
So if several different banks inquire about your credit report on the same day, they don't know about this situation, but if these banks inquire every other day, they will find that several banks inquired about your credit report yesterday. Intensive application for credit cards in a short period of time will leave a lot of inquiry records on our credit report.
When the bank's risk control personnel know that you are applying for a large number of credit cards, their first impression of you is that this person is short of money recently and the risk is a bit high. Once the bank determines that you are a cash-strapped customer, it will definitely not grant you a credit card. Therefore, customers who make centralized inquiries are likely to be rejected by banks or their quota will be reduced.
References:
Baidu encyclopedia-credit card