The quota of the same bank is shared, but the annual fee is calculated separately, and the annual fee policies of different card types are different. If the number of swipes does not meet the requirements of the bank, an annual fee will be charged. Regarding repayment, except for people's livelihood and investment, most banks do not support credit card repayment sharing at present. So the repayment is the same as the annual fee, and you also need to return the card.
At the same time, if you can't use multiple credit cards or the credit card limit is reduced, a person's monthly consumption level is limited, and the number and amount of swiping cards are also limited. If you apply for more than one credit card, you can't swipe your card often. If the frequency of swiping cards is too low, the issuing bank may reduce the credit card limit.
Extended data:
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
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