The so-called "shared line" means that all credit cards held by the same cardholder use a common line.

For example, if you hold five credit cards from a bank with a credit line of 10000 yuan, then these five credit cards share the credit line of 10000 yuan. When you overdraw 2000 yuan with one card, you can also overdraw 8000 yuan with the other four cards.

Extended explanation: Credit line sharing means that credit cards of the same bank and brand share the same credit line (generally the highest credit line for one card). Although several cards have their own single credit limit, the total overdraft in use cannot exceed the shared credit limit of the brand credit card.

Extended data:

Methods of increasing credit limit:

1. The more complete the asset certificate, the better.

If you want to greatly increase the credit limit when applying, you must carefully prepare all kinds of credit certificates. You need to submit proof of income, proof of house property right, proof of mortgage purchase, proof of automobile property right and proof of bank deposit to the bank. Don't bother, because the more sufficient materials mean that you can successfully apply for a high credit limit.

2. Increase the frequency of swiping cards.

By increasing the frequency of swiping cards, customers can easily prove that this card is often used. At the same time, credit cards approach or exceed the limit every month. This is to tell the bank that the customer's credit card limit is really not enough. In this case, the bank is likely to take the initiative to inform customers that "the credit card limit can be increased". Moreover, the amount of withdrawals invited by banks will generally be higher.

3. Keep a good credit record.

In the process of using credit cards, customers should try their best to repay in full, and the minimum repayment amount will affect the financial evaluation of customers by banks. Not to mention overdue repayment, if there is a record of overdue repayment, banks generally will not take the initiative to increase the quota. Once there is a credit stain, it will have a great impact on future mortgage, car loan, and even study and employment.

Step 4 take the initiative to apply

After the normal use of credit cards for half a year, cardholders can take the initiative to submit a written application or adjust the credit limit through the service phone. Under normal circumstances, the bank will increase the credit limit of customers to a certain extent after reviewing the cardholder's consumption records and credit records.

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People's Network-Credit Card Raising Limit Skills Raiders The more proof of assets, the better