Yes. For credit cards that customers apply for, the credit limit is generally exclusive to other cards. If the customer wants to cancel one of the cards, he only needs to call the card-issuing bank and submit a cancellation application directly to the customer service staff through the manual service channel. Of course, it is recommended that customers cancel the card with a lower credit limit instead of the card with a higher credit limit.

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1. Quota

Refers to the amount that the lender can lend to the borrower without providing property security. It usually refers to a natural person borrowing money from a bank, and the bank is willing to lend the maximum amount based on the individual's credit status. This amount will be determined unilaterally by the bank based on conditional factors such as income, revenue, debt ratio, job content, company, company position, property, etc.

2. What does it mean when the available limit is a negative number?

The available limit is a negative number, which means that the credit card's used limit exceeds the total credit card limit. The calculation method for the credit card's available limit is: available limit = credit limit approved by the bank - outstanding balance on bills that have not yet been paid - amount of transactions that have not been recorded but have occurred - other related interests and fees. The unpaid accounted amount refers to the amount of card transactions that have been billed but not yet returned; the accumulated amount that has been used but not accounted refers to the amount of card transactions that have occurred but has not yet been billed; other related interest and fees refer to cash withdrawals or Installment payments and other interest. For example: the credit limit is 20,000 yuan, the unpaid amount has been paid out is 10,000 yuan, and the used but unrecorded amount is 4,000 yuan, then the available credit limit is 6,000 yuan.

3. What does line of credit mean?

Line of credit is also the credit limit. The credit limit refers to the loan limit given to you by a bank or institution after a comprehensive assessment of your credit qualifications. A credit limit, also known as a "credit limit," is the maximum limit allowed to a borrower as stipulated in the agreement between the borrower and the bank. However, this provision is not legally binding. If the bank lacks credit funds or the customer's financial situation is poor, the bank can change the credit limit or refuse to provide loans according to the situation.

4. Should the credit card limit be automatically increased or apply for a limit increase?

If the credit card meets the conditions for limit increase, the bank will automatically increase the limit of the credit card. If the credit card limit is not automatically increased for a long time, the user can actively apply for a limit increase. Therefore, there are two main ways to increase the credit card limit, namely automatic limit increase and application limit increase. Both methods can increase the limit of the credit card, but the final result of the limit increase will be different.

5. Can credit card money be withdrawn?

Yes, credit card money can be withdrawn. Credit card withdrawals are divided into two situations, one is credit card overdraft withdrawal, and the other is withdrawal of cash from credit card overdraft. The second type is to withdraw cash from credit card overpayment and overpayment