As long as the credit balance does not exceed the corresponding business category index, the cumulative amount and the number of times of issuance, the commercial banking department can quickly provide short-term credit to customers, that is, enterprises can easily recover the bank's short-term credit funds. The above short-term credit business includes loans, letters of credit, guarantees, deposits, etc. The term is within one year (including one year), in which the term of bid guarantee, performance guarantee, advance payment guarantee, customs payment guarantee and maritime guarantee may be.
Shared credit line means that two or more credit cards and their accounts share the same credit line. After the consumption of any card and account reaches a certain amount, the available credit limit of these cards and accounts will be reduced accordingly.
For example, a customer has two credit cards issued by the same bank. Suppose it is card A and card B, and the two cards share a credit line of 65,438+00,000. After the customer spends 3000 yuan with A card, the credit limit of B card is shared with A card, so B card can only use 7000 yuan. Assume that Card A is a dual-currency credit card, which consists of two accounts, RMB and USD, which are shared by both accounts.