The credit line of the second credit card of Industrial Bank is the same as that of your first credit card. The credit line of Industrial Bank is shared, mainly because the bank will give the same applicant a credit line according to his financial situation in order to control the risk of issuing cards. If the credit limit exceeds this limit, the cardholder may spend beyond the economic conditions and be unable to repay.

For example, if the cardholder's monthly income is 1 10,000, the bank will generally give a credit card of about 1 10,000. No matter how many credit cards he applied for in this bank, these credit cards will share this quota, and the credit card is only a carrier of this credit card. If there is no credit card limit of Industrial Bank to share a 20,000-yuan credit card, if the user applies for five cards, then he will be able to overdraw 654.38+10,000 yuan, which already exceeds his repayment ability, which will be risky for the bank.

The credit card quota sharing of Industrial Bank is not to share the credit quota of the first credit card that the cardholder applied for in the bank, but to share the credit quota of the credit card with the highest credit quota among the credit cards applied for by the bank. If the cardholder applies for a credit card quota of 20,000 yuan in a bank for the first time and 30,000 yuan for the second time, then he will eventually share the credit card quota of 30,000 yuan in the Industrial Bank of the bank.