if the credit card limit you originally applied for in Ping An Bank was 1, yuan, and then you applied for another one which was 2, yuan, then the maximum overdraft limit of your credit card in Ping An Bank is 2, yuan. However, your original card can only be swiped for 1, yuan, and after it is fully swiped, your later card with 2, yuan can only be swiped for 1, yuan, which is equivalent to a quota increase.