Credit cards from the same bank are handled by the same person, and there is only one account, so the two credit cards enjoy the credit limit approved by the bank.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Extended information

1. Frequency means swiping your card wherever possible, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it is easy to be cheated. The bank considers that there is suspicion of credit card cash withdrawal, and it is difficult to raise the amount

2. Choose a credit card with the minimum repayment limit, so as to ensure that the personal credit record is not affected, and at the same time, too many late payment fees will not be incurred. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.

3. After using a credit card regularly for half a year, you can actively submit a written application or call the service phone to adjust the credit limit. The bank needs approval. Under normal circumstances, after reviewing the consumption record and credit record, it will adjust the credit limit to a certain extent. Increase your credit limit.

4. After the temporary credit limit is increased, the excess amount actually used over the original credit limit will be added to the minimum repayment amount in the next statement. No fees will be charged for the excess usage, but you cannot enjoy the facility of revolving credit. Please pay it off in one go on the due date.

Baidu Encyclopedia-Credit Card Limit