There are two. One main card, one secondary card, unlimited credit limit. You have to repay the first one as much as you consume, and you have to repay the second one as much as you spend on the second one. For convenience, you can apply for a CITIC debit card, tie the two credit cards to your debit card, and link the repayments. , how much you use at that time, as long as there is money in your debit card, the bank will automatically deduct it. This is the most convenient. It is best for you to cancel your CITIC secondary card. It is of little use and you can enjoy a limit. If When you withdraw money from an ATM, there is a withdrawal fee and interest. The interest is five thousandths and the handling fee is a few thousandths. For example, if you withdraw two thousand, you will have to repay two thousand and three thousand that day or night. About RMB 1,000, interest and withdrawal fees, etc.