The so-called "shared line" means that all credit cards held by the same cardholder use a common line. For example, if you hold five credit cards from a bank with a credit line of 10000 yuan, then these five credit cards share the credit line of 10000 yuan. When you overdraw 2000 yuan with one card, you can also overdraw 8000 yuan with the other four cards.
Extended explanation: Credit line sharing means that credit cards of the same bank and brand share the same credit line (generally the highest credit line for one card). 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.
Sorry, I have two credit cards shared with CCB. I know that only the professional POS machines of Tiangang Shi Sheng Technology Co., Ltd. will be used to sell credit cards for credit processing! Pay attention to "the highest day of prosperity", and there are small gifts from time to time!
Novices should pay special attention to the following points when using credit cards:
(1) The issuing bank must pay special attention when offering special discounts to attract consumers to apply for credit cards in the first year. These promotions are usually short-term, so don't be confused for a moment. When choosing a credit card, you should give priority to long-term interests.
(2) Avoid applying for more cards than you can bear. Evaluate your consumption habits, needs and financial situation before deciding how many credit cards you need to choose.
(3) Be sure to sign the new card as soon as you receive it, and cut the old card into pieces to avoid fraudulent use.
(4) Be sure to take good care of your credit card and report the loss immediately if it is lost.
(5) Whether it is a credit card or a charge card, you must keep a good credit record.
(6) It is convenient to borrow cash in advance, but the cost is high.
(7) Using revolving credit can help you manage your finances, but it should be noted that revolving credit is a kind of credit loan, so that you don't have to pay off all the consumption amount at one time during the payment period, as long as you pay a part of the amount before each payment period, but revolving credit must pay interest separately.
(8) Prevent credit card fraud.
(9) When changing the new address or contact telephone number, immediately notify the issuing bank.
(10) There is no extra charge for spending by credit card in the special store.
(1 1) If it is collected by the collection unit because it has not paid, it has the responsibility to pay off the arrears immediately, and if the circumstances are serious, it will bear legal responsibility.
I have two credit cards of CCB, and the quota is shared. Should I return one or both? Is it the relationship between the primary and secondary cards, or are they all primary cards? If both are MasterCard, then both need to repay according to their respective consumption bills; If it is the main card and the auxiliary card, just use the main card to repay.
If you don't know exactly how to repay the two cards, it is recommended to call CCB credit card customer service directly, subject to the bank's reply.
I have two credit cards of CCB, both of which have a limit of 5000. What's my total? 5000. The credit card limits of several banks are shared. Credit card quota sharing means that the credit cards of the same bank held by the same cardholder use a common quota, and there is no need to apply for the credit cards of the same bank. Handling credit cards from different banks can not only increase the total amount, but also enjoy preferential activities brought by different banks.
China Construction Bank Credit Card:
The limits of all credit cards (including supplementary cards) under the same name are shared, and the sum of overdraft limits of all cards cannot exceed the limit of the card with the highest limit.
Note: If you hold a dual-currency card, the quota of RMB and foreign currency is also shared.
I have a bank in Zhang Jianshe with a credit card limit of 654.38+300,000. CCB has a special car installment business. You can call customer service for consultation. If the application is successful, you will be allocated another car payment and then paid back in installments.
I have two CCB credit cards, one of which has been reported lost. Can I return the money to another card on the repayment date? CCB's credit cards need to be returned separately according to the card numbers.
If the landlord reported the loss of a credit card and the new card hasn't arrived yet, I suggest you take your ID card to CCB outlets to check the old card number and return it directly through the card number.
If the landlord has other questions, you can ask.
I have two credit cards from China Construction Bank. What do you mean the credit limits of the two cards are the same? Why can't they be used separately? Bank credit cards are all like this. The quota of the same bank is universal. As long as you are not a bank credit card.
I have three Zhang Jianshe bank credit cards with a limit of 30,000 yuan. These three cards total 30 thousand yuan? Yes, the credit cards of the same bank are all shared, and one card is enough. I suggest you cancel two of them!
There are three credit cards in CCB, and two have been approved. Is there a quota? But if you apply for more than one card, the amount of these cards is shared. For example, if you have two cards, the quota is 654.38+00000, which means that the two cards share the quota of 654.38+00000. If one card runs out of the limit of 654.38+00,000, the other card has no available limit.
When will the credit card of CCB be repaid? The corresponding amount will be restored immediately after receiving the credit card payment.
The credit card repayment sequence is as follows:
1. bill for the same period: the repayment order is annual fee, interest, handling fee (installment or cash withdrawal), cash withdrawal principal and credit card consumption principal. That is to say, if the cardholder both swipes the card and withdraws cash in the same billing cycle, the repayment amount will give priority to the repayment of interest, handling fee and cash withdrawal principal, and the remaining amount will be repaid by swiping the card.
2. Different billing cycles: If the withdrawal date falls within the next billing cycle, you need to repay the credit card consumption amount of the previous period first, and then repay the withdrawal interest, handling fee, withdrawal principal and current consumption amount.