The credit limits of two credit cards in the same bank are shared, and the one with higher credit limit is the total amount available to the cardholder. So there is no need to apply for too many credit cards from the same bank, because they share the credit line, and applying for one more credit card can't increase the total credit line. For example, Xiao Li has two credit cards, A and B, with a credit limit of 20,000 and B with a credit limit of 60,000, so the total available credit limit of A and B is 60,000. When the credit line of A card is 20000, the available credit line of B card is 40000.