For example, the same bank has five credit cards with a credit line of 50,000 yuan, so these five cards share a credit line of 50,000 yuan. If one credit card has already spent 20,000 yuan, then the remaining four cards will only have a limit of 30,000 yuan. In addition, the annual fees for multiple credit cards in the same bank are calculated separately, and it is generally not recommended that the same bank handle multiple credit cards.
First, the bank credit card limit rules:
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 line of 30,000 yuan, so the credit line used by these three credit cards together is 30,000 yuan. When she overdraws 4,000 yuan with one card, the other two cards can only overdraw 26,000 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.
2. How many credit cards should a person apply for?
There is no standard answer to this. As for how much credit card is suitable, it varies from person to person. Generally speaking, it is more appropriate to apply for a 1-4 credit card for the following reasons:
1, which is beneficial to the rating of financial institutions.
In today's society, finance has been closely related to our lives. For example, buying a house, buying a car and getting a loan all involve comprehensive scores, and the number of credit cards is also an important part of comprehensive scores. In general, 1-4 credit card has the highest score, which will lower the score more or less.
2, convenient turnover
Everyone is in urgent need of cash flow. If there is no credit card, it is more troublesome to use money temporarily, but it is convenient to use 1-4 credit card. But more is not good. On the one hand, if you have too many credit cards, you will be in trouble once you can't control yourself. On the other hand, if there are too many credit cards, the repayment dates of most credit cards may be different. If there are too many credit cards, it is easy to get confused, or forget to pay back, it will be bad if it is overdue.
3. You can enjoy the discount to the maximum extent.
Credit cards usually cooperate with merchants to launch many preferential activities, such as eating, buying movie tickets, buying plane tickets and so on. Of course, not every credit card will cooperate with all merchants, but 2-4 cards can basically cover the discount of frequent consumption.
4. The total amount is appropriate
Everyone's credit card limit may be different, which is related to personal conditions, but in general, 1-4 credit cards should be able to meet a person's normal financial needs. If you don't need too much money, the credit limit may be maintained at the level at the time of application. If you need a lot of money, swipe your card frequently, and the bank will also increase the amount for you. The total amount of credit cards will basically increase with the growth of your demand. Of course, the premise is that you must repay the loan on time.
To sum up the above points, it is most suitable for one person to apply for 1-4 credit card. Of course, the situation varies from person to person.