The sharing of credit line prevents the cardholder's total credit line from being too high, which can prevent us from abusing credit line and over-consuming. Because high quota means high consumption to a certain extent, proper control of quota helps to prevent excessive consumption.

2. Different cards have different functions and permissions.

Nowadays, there are more and more types of credit cards in major banks, and their functions are also different. For example, a fuel card that is very popular with car owners, a Taobao co-branded card suitable for the "hot party", and a co-branded card that can enjoy rebate discounts when shopping in supermarkets. Different types have different functions and permissions, which can meet our different consumption needs.

3. It is conducive to applying for a large credit card

Handle multiple credit cards in the same bank, then handle the one with the largest amount, and then handle other credit cards. It is ok to use the card actively and correctly at ordinary times, and the repayment on time is not overdue. Finally, the success rate of handling large credit cards is still possible.

However, be careful not to apply for credit cards frequently in the short term. It's the same whether you apply at the branch counter or the card clerk comes to the door. Due to the short-term frequent application of vulnerable credit information, once the credit information is "invalid", it is more difficult to handle the card.