The so-called "shared credit line" means that all credit cards held by the same cardholder use a common credit line. Although several cards have their own single credit limit, the total overdraft in use cannot exceed the shared credit limit of the brand credit card.

For example, if you hold two credit cards from a bank with a credit line of 10000 yuan, then the two credit cards share the credit line of 10000 yuan. When you overdraw 2000 yuan with one card, you can also overdraw 8000 yuan with another card.

Although the amount of the two cards is shared, they still need to be repaid separately. You should pay attention to this.

At present, different banks have different regulations. For example, the credit card customer service staff of China Merchants Bank, Industrial and Commercial Bank of China and Ping An Bank said that no matter how much the two cards spend, the total consumption of several credit cards can be returned to one card, which can be regarded as a full return, while some banks can't.