ICBC's digital credit card is shared with other ICBC credit cards. For example, the credit line of ICBC's digital credit card is 10000, and the credit line of another card is 20000, so the two cards share a credit line of 20000 yuan. As for ICBC's digital credit card and other banks' credit cards, the quota is independent of each other. Users who want to increase the total credit limit of credit cards can try to apply for credit cards from different banks.

In addition, if users apply for a high-grade ICBC credit card, it can also effectively increase the total credit line of the credit card.

1. Is there a difference between a digital credit card and a physical card?

There are certain differences. In essence, digital cards are virtual cards, and physical cards are what users can actually get. Secondly, users need to bind a third-party payment APP when using a digital credit card, but they don't need a physical card, so cardholders can use it alone.

In addition, digital cards cannot be used for direct consumption on POS machines, but physical cards can. Of course, apart from the differences, there are still some similarities with credit cards, such as overdraft consumption and cash withdrawal.

Second, how to withdraw consumption?

If the cardholder wants to withdraw cash from the digital card, he can go directly to the bank outlet where the cardholder is located. At the same time, users can bind the digital card and the savings card on the mobile banking APP, then transfer the amount in the digital card to the savings card, and then use the savings card to withdraw cash.