how to use two credit cards of CCB?

The credit limit of two credit cards of CCB is * * *, and the credit limit of one card will be reduced accordingly after consumption.

however, if the credit limit of one of your cards is higher than that of the other card, after the credit limit of * * * is consumed, the card with higher credit limit can consume the remaining credit limit of * * *. The credit card of CCB under the same name of the customer is * * * with a credit line.

For example, the customer holds the credit cards A and B of CCB in his own name, and the credit lines of A and B are * * *, with the credit lines of A and B being 2, yuan, 3, yuan and 3, yuan respectively. After the credit lines of A and B are 2, yuan, A can no longer spend, but B can only spend.

How do two parallel credit cards transfer money to each other

There are the following methods to transfer money between two bank cards:

Method 1: If one of the two bank cards is bound with Alipay, the user can directly transfer money through.

method 2: you can bring two bank cards to the teller machine of one of the bank cards and enter the password as prompted, and then you can transfer money successfully.

method 3: you can fill in the money order in the respective banks of two bank cards, fill in the relevant information on the money order as required, and hand over the money to the bank counter staff to successfully transfer the money.

Method 4: You can bring your personal ID card and bank card to the bank to open mobile banking and online banking, then download the mobile banking and follow the prompts to register, and then you can transfer money to another bank card.

transferaccounts refers to a bank's monetary settlement method in which money is transferred from the payment account to the collection account through the bank without using cash directly.

it is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.

transfer methods

there are many ways to transfer and settle accounts, which can be mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection without acceptance settlement and limit cheque settlement, etc.

off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.

on February 25th, 216, the five banks of industry, agriculture, China, China Construction and Bank of Communications held a joint press conference on "Strengthening account management and promoting inclusive finance".

In order to reduce customers' expenses, customers are exempted from handling fees for domestic RMB transfer and remittance through mobile banking, and for domestic RMB online bank transfer and remittance below 5, yuan.

Scope of application

As a bank settlement method, transfer is widely used. Transfer settlement can be carried out between the same city and different places, between company accounts and company accounts, between company accounts and individual accounts, and between individual accounts and individual accounts.

principles of handling

banks and units handling transfer settlement in banks should follow the principles of clearing money and goods, safeguarding the legitimate rights and interests of both parties, and banks will not make advances. In addition, the transfer settlement should also follow the relevant provisions of the state.

Free transfer

Free transfer in different places within the bank

In order to effectively curb the behavior of buying and selling accounts and opening fake accounts, and comprehensively promote the real-name account management, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clearly stipulates that:

since December 1, 216, when a banking financial institution opens a bank settlement account for an individual, the same person can only open one Class I account in the same bank. If a Class I account has already been opened, a Class II account or a Class III account should be opened. This move aims to protect the safety of funds.

at the same time, in order to reduce the cost of residents' transfer, the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks clearly states that if a bank charges off-site handling fees for the off-site deposit and withdrawal, transfer and other services within the bank, it shall be free within three months from the date of promulgation of this notice.

can I use two credit cards in the same bank together? It mainly depends

At present, there are many kinds of cards in banks, and many people will have two credit cards in the same bank. However, according to the way of handling the second card, whether two cards can be used at the same time will have two different results. Today, let's discuss the topic "Can I use two credit cards in the same bank together?".

can I use two credit cards in the same bank together?

if you have a card in a bank, there are two ways to apply for a second card, one is to add a card, and the other is to upgrade the card.

1. It is very simple to add a card. You need to re-submit the information to the bank and wait for the bank card to be approved. When you get the credit card, you will have two cards. These two cards belong to two independent individuals respectively, and can be used at the same time after activation. However, because they belong to the same account, although the credit lines of the two cards are different, they have the same credit line, which is subject to the highest credit line.

2. The card transfer upgrade is carried out on the basis of the first card. After the successful upgrade, it is considered that you have two credit cards. However, the second card after the card transfer upgrade is loaded with the accounting information of the first card, but the amount and rights may change, so the first card will be invalid after activation, so the two cards cannot be used together.

however, the credit card system of each bank may be different, which is subject to the regulations of the issuing bank. You'd better consult the customer service before applying for a second card. If two cards can't be used at the same time, it's best to cancel the card that can't be used in order to avoid risks.

one thing to be reminded is that whether two cards can be used at the same time or not, their annual fees are calculated separately. You need to keep an eye on the annual fees of the two cards at any time. If you can conditionally reduce or exempt the annual fees, see if they all meet the requirements; If the annual fee is deducted, you must remember to repay it on time.

The above is "Can I use two credit cards in the same bank together?" I hope it will help you.

Skills of using multiple credit cards

Question 1: The repayment skills of two credit cards should be spent as far as possible after the bill date of each credit card, so as not to enjoy a longer repayment period;

the billing date of your A card is 19th, and the repayment date is 8th and 9th; Then I suggest that the billing date of your B card is set to 5 or 6 days, and the repayment date is 25 or 26 days. Then when you repay your A card, you can cash out your B card to repay it; When B card repays, A card can be used to cash out the repayment;

question 2: how to use two credit cards skillfully? First of all, don't try to return cards with cards, which is the most important thing, because this operation is equivalent to pouring water into a perforated bottle, which is not a long-term solution.

However, it's totally possible to manage money reasonably with a credit card. Today, I'd like to introduce it. This is not a copy of other people's answers, but my personal experience.

First, understand the two concepts. Credit cards have a billing date and a repayment date, generally with a difference of 2 days (this period is equivalent to you enjoying the interest-free loan from the bank). If you charge your account on July 1st, you should generally return it on July 21st, which is the basis.

Secondly, credit cards are settled according to billing date and repayment date, not according to January 1st of natural month, so customers have the opportunity to use a long interest-free period, and the shortest 2-day and longest 5-day interest-free period advertised by the bank is thus generated. For example, if there is a card with billing date 5th and repayment date 25th, then if you swipe your card on June 6th, you can only charge it to the bill on July 5th, and then repay it on July 25th.

Third, using the above interval between billing date and repayment date, plus if you have two or three credit cards, you can reasonably decompose the repayment pressure. For example, if you have three cards:

Card A has billing date of 1th and repayment date of 3th;

the billing date of card b is 2th, and the repayment date is 1th of the following month;

the billing date of card c is 3th, and the repayment date is 2th of the following month.

then, in the middle of January, you swipe your C card on the 1st to 1th, A card on the 11th to 2th and B card on the 21st to 3th of this month, which can effectively alleviate the cash shortage.

Of course, in the final analysis, you have to pay back when you use a credit card, so although there are ways to manage your money, you should live within your means and balance your consumption.

question 3: how to set the billing date for two credit cards? If the repayment date of credit card can be changed, there are two principles for you to consider: but it does not include the mutual overdraft repayment you mentioned, which is definitely not counted.

one principle is that it corresponds to the income date, and it is applicable to the fixed income date, that is, it is best to repay the money just on the second day of salary. The reason is self-evident.

the other is to enjoy the maximum interest-free period, which is applicable to those whose income date is not fixed, or who do not need to rely on the income with a fixed date to repay (for example, there is enough deposit for revolving). In this way, it is best that the difference between the two cards is half a month. In this way, the card that has just passed the billing date can enjoy at least 35 days (assuming that the billing date is 2 days to the repayment date, plus half a month of the billing date of another card), and the maximum is 5 days. For example, the billing date of two cards is one on the 5th, the other on the 2th, the former one is used from the 6th to the 2th, and the latter one is used from the 21st to the 5th.

Question 4: How to use two credit cards more reasonably? Change the second repayment date to the 1st of each month and give points.

Question 5: How to deal with multiple credit cards? You can log off.

The cancellation method is as follows:

Telephone banking cancellation:

Credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by phone on the premise that it can be cancelled, call the corresponding bank customer and cancel the account according to the prompt input and information.

bank counter cancellation:

(1) Bring valid certificates, such as ID cards and credit cards.

(2) get the reservation number from the bank and queue up

(3) explain to the service staff that you want to close the account, give the credit card to the bank staff and fill out the relevant application.

(4) the credit card account is closed.

Note:

If the credit card is lost, you need to reissue a credit card first, and then cancel the account, and the card fee will be charged for the replacement card;

A credit card cancellation account must withdraw the balance on the card and ensure that there is no debt on the card.

question 6: can multiple credit cards be cashed out of each other? Thank you for your answer! Yes, but with skill, the consequences of operational mistakes are very serious. I have been in this business for 7 years and know a little.

question 7: how to cash in a large number of credit cards, just pay the handling fee. You can apply for a POS machine yourself, and you can also pay the handling fee to the boss who knows how to do business. My friend swipes 9 and gives others 1 handling fees, but it is illegal to swipe too much.

Question 8: How to recycle three credit cards in public places is inconvenient to explain in detail.

Question 9: How to use multiple credit cards to repay in a cycle? Hello, here are the methods, but all of them have to pay a handling fee, because the general spirit is to withdraw cash, rob Peter to pay Paul, but all of them have to pay interest, so it is best to repay in full. If you don't understand, you can ask me

First, use the first card to withdraw cash and return the second credit card, and then use the second card to return the first credit card. If there is too much difference between the cash withdrawal limits of the two cards, you should repay (reverse) them several times, of course, you must repay between the billing date and the final repayment date of each card.

second, when the credit card has no money to repay, you can also use the method of "four or two thousand dollars". Of course, the premise is to pay a fee. You can use 2 yuan to pay off 4(N 2) credit cards. Pay back 2 first, take it out the next day, and deposit it again immediately, which is equivalent to paying back 4 for two times, and so on. The expenses should also be paid together.

third, the handling fee, depending on which bank you are a credit card, is basically 1%, and the minimum for a single transaction is around 1 yuan. Some banks start to calculate the interest the next day, that is, the interest of 2, yuan per day in 1 yuan. Because the credit card does not allow direct transfer to another credit card for repayment, it can only be repaid in this way, of course, it has to pay a little. If you pour 2, yuan for a month, every time you pour it, you will have to pay a handling fee of 2 plus interest of 3, which is about 5 yuan.

fourth, there are several ways, but they all cost money. If you don't want to pay any money, you can repay the money, so you don't have to open the bank. Compared with the situation that the bad record of overdue repayment is kept for seven years, which will have an impact on future loans to buy a house, credit loans, credit cards, etc., these methods can help you avoid bad records, because the premise of these methods is that you can't repay in time, right? If you have money, these methods are all floating clouds. I hope you understand what I said.

1. The first method above refers to withdrawing cash and returning another card if the credit card limit allows.

second, if there is no cash withdrawal limit, you can use one card to cash out (of course, this is illegal and risky) and return another card. If the cash-out consumption is not found by the bank, it can be made into installments. Of course, the cost of the loss is more or less, depending on your balance. You can also learn and use the specific methods.

third, looking for a credit card advance repayment institution is risky and may cost a lot, which varies from place to place.

fourth, if there is no cash withdrawal limit, you can ask someone to borrow some, then repay them in turn, and finally take them out and return them to others. This belongs to the nature of finding someone to return it.

Question 1: What are the tips for using credit cards? Don't always swipe your card correctly, and spend it in supermarkets or hotels.

Also, don't empty your card and brush it to 7% at most, so that you can repay it on time, and the amount will be raised quickly.

This is the end of the introduction on how to use two credit cards and how to use them reasonably. I wonder if you have found the information you need?