Currently, Shanghai Pudong Development Bank does not stipulate how many credit cards can be applied for. The same bank can apply for multiple credit cards, but the credit limit is exclusive, that is, the credit card with the highest limit is the highest limit.

However, it should be noted that when you hold multiple credit cards from the same bank at the same time, multiple credit cards have the same limit. Generally, a credit card with a low limit enjoys the available credit limit of a credit card with a high limit. In other words, if two credit cards can enjoy a credit limit of 8,000 yuan (but not every card has a credit limit of 8,000 yuan), if the cardholder spends 5,000 yuan with one card, the other card will have a credit limit of 8,000 yuan. There is only a limit of 3,000 yuan left; if one of them is used for 8,000 yuan, the other one will have no limit.

The credit limit can be *enjoyed, but the repayment cannot be *enjoyed. If two cards are used to spend 2,000 yuan and 3,000 yuan respectively, and the cardholder only repays 5,000 yuan to one of them, the other will be deemed to have not repaid, and an overdue record will be generated.

For details, please consult the staff of Shanghai Pudong Development Bank.