The amount of two credit cards (debit cards) in the same bank is shared, and the amount of the two cards is subject to the one with the higher amount. For example, the user's A card has a quota of 20,000 and the B card has a quota of 30,000, so the sum of the two cards is 30,000. When A card uses 20000 credit line, B card can only use 1000 credit line. When the B card uses more than 20,000 points, the A card has no points to use.

Therefore, there is no need to apply for too many credit cards (debit cards) from the same bank, because they share the same line, and too many applications cannot increase the total credit line.

How to calculate the limit of two credit cards in a bank?

1. How to calculate the limit of two credit cards in the same bank?

1. If the credit limits of two cards are shared, the total overdraft limit shall be subject to the highest card. If a credit line is used for a card, the remaining available credit line will be deducted from the overdraft limit. If the amount of A card is 50,000 yuan, the amount of B card is 1 10,000 yuan, the total available amount is 50,000 yuan, and A card uses 30,000 yuan, then A card and B card can only use 20,000 yuan at most.

2. If the credit lines of the two cards are independent, then the total overdraft line is also independent, and after each card is used up, it will only occupy the available credit line of the card. If card A is a standard card with a quota of 50,000 yuan, card B is an installment card with a quota of 30,000 yuan; Then the maximum amount of A card can be 50,000, and the maximum amount of B card can be 30,000. If A card uses 20,000, the remaining amount of A card is 30,000, and the amount of B card remains unchanged.

Two, the same bank credit card limit rules.

This has something to do with the type of card. Credit cards in many banks are divided into standard cards and some special cards, such as installment cards and business cards.

Different card types have different principles and are divided into two situations. If two credit cards belong to the same standard card, the two credit cards share a maximum limit; However, if one card is a standard card, one card is a special card, or both cards are special cards, the credit line is not shared, independent and does not affect each other.

What is the general credit card limit?

Banks generally classify credit cards according to their grades. Credit cards are divided into ordinary cards, gold cards, platinum cards and unlimited cards, and the corresponding credit card quotas are also different. In general, the amount of the general card is between 1 0,000-10,000, which is suitable for ordinary wage earners; The amount of gold card is between 10000-50000, which requires the applicant to have certain economic strength; Platinum cards and unlimited cards are symbols of distinguished status. Generally, the limit is above 50,000, and there is no upper limit. The specific credit card limit needs to be evaluated and determined by the bank according to your comprehensive qualifications.

According to your description, the annual income is 50,000-70,000. If you pay social security, the credit card application approval amount is generally above 15000, which is about twice your monthly income and belongs to the category of gold card.

How to calculate the limit of two credit cards in the same bank? It will be clear after reading it.

A friend often gets two credit cards in the same bank. Although each card has a different credit limit, many people will make mistakes in how to calculate the actual credit limit. Today we will talk about how to calculate the credit limit of two credit cards in the same bank. Friends in need can come and have a look.

First, the limit rules of two credit cards in the same bank.

This has something to do with the type of card. Credit cards in many banks are divided into standard cards and some special cards, such as installment cards and business cards.

Different card types have different principles and are divided into two situations. If two credit cards belong to the same standard card, the two credit cards share a maximum limit; However, if one card is a standard card, one card is a special card, or both cards are special cards, the credit line is not shared, independent and does not affect each other.

Second, how to calculate the limit of two credit cards in the same bank?

1. If the credit limits of two cards are shared, the total overdraft limit shall be subject to the highest card. If a credit line is used for a card, the remaining available credit line will be deducted from the overdraft limit. If the amount of A card is 50,000 yuan, the amount of B card is 1 10,000 yuan, the total available amount is 50,000 yuan, and A card uses 30,000 yuan, then A card and B card can only use 20,000 yuan at most.

2. If the credit lines of the two cards are independent, then the total overdraft line is also independent, and each card will only occupy the available credit line of the card after use. If card A is a standard card with a quota of 50,000 yuan, card B is an installment card with a quota of 30,000 yuan; Then the maximum amount of A card can be 50,000, and the maximum amount of B card can be 30,000. If A card uses 20,000, the remaining amount of A card is 30,000, and the amount of B card remains unchanged.

The above is the related introduction of "how to calculate the limit of two credit cards in the same bank", hoping to help everyone.

There are two credit cards in the same bank. How to calculate the limit?

Two credit card limits of a bank share one limit, and the limit does not accumulate when the number of cards is increased. If there are more than one credit card, please log in to online banking/mobile banking to inquire about credit card transactions, and all the bills inquired are card transactions. You can judge which card is the transaction by the "last four digits" in the credit card bill details.

First, the limit rules of two credit cards in the same bank.

This has something to do with the type of card. Credit cards in many banks are divided into standard cards and some special cards, such as installment cards and business cards.

Different card types have different principles and are divided into two situations. If two credit cards belong to the same standard card, the two credit cards share a maximum limit; However, if one card is a standard card, one card is a special card, or both cards are special cards, the credit line is not shared, independent and does not affect each other.

Two credit card limits of a bank share one limit, and the limit does not accumulate when the number of cards is increased. If there are more than one credit card, please log in to online banking/mobile banking to inquire about credit card transactions, and all the bills inquired are card transactions. You can judge which card is the transaction by the "last four digits" in the credit card bill details.

Second, how to calculate the limit of two credit cards in the same bank?

1. If the credit limits of two cards are shared, the total overdraft limit shall be subject to the highest card. If a credit line is used for a card, the remaining available credit line will be deducted from the overdraft limit. If the amount of A card is 50,000 yuan, the amount of B card is 1 10,000 yuan, the total available amount is 50,000 yuan, and A card uses 30,000 yuan, then A card and B card can only use 20,000 yuan at most.

2. If the credit lines of the two cards are independent, then the total overdraft line is also independent, and each card will only occupy the available credit line of the card after use. If card A is a standard card with a quota of 50,000 yuan, card B is an installment card with a quota of 30,000 yuan; Then the maximum amount of A card can be 50,000, and the maximum amount of B card can be 30,000. If A card uses 20,000, the remaining amount of A card is 30,000, and the amount of B card remains unchanged.

Third, the credit card limit.

Credit card limit refers to the maximum overdraft limit of credit cards issued by banks to credit card holders. Different credit card levels have different limits, including:

1, and the general credit card limit is around 3000- 10000;

2. The gold card amount of the credit card is about10000-50000;

3. Credit card platinum card amount is more than 50,000, and so on.

The credit card limit is mainly determined by the comprehensive qualifications of the credit card applicant, such as personal credit and repayment ability. I want to know how much credit line I have, so that I can apply for a credit card at the bank.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

How to calculate the limit of two credit cards in the same bank?

1. The maximum amount of two credit cards in the same bank is the highest credit card.

2. The credit limit of the same credit card application is shared, and the credit card with the highest credit limit is the highest. Holding multiple credit cards in the same bank will not increase the credit limit, but will be shared by multiple credit cards. Only when multiple credit cards belong to different issuing banks will the total amount of credit cards increase.

3. General credit card limit: 0- 1 10,000 yuan; Credit card gold card amount: 1 10,000-50,000 yuan; Platinum card and above: 50,000 and above.

4. Cardholders can increase the frequency of personal use of credit cards, the number of swipes will increase, and the amount will increase more easily; Cardholders can use credit cards to increase the amount of personal consumption, but the amount should be controlled within a reasonable range; And try not to spend too much on the little gold forehead; Cardholders can increase the number of merchants who use credit cards for personal consumption, mostly in the merchants who cooperate with the issuing bank; Cardholders need to keep their personal credit status good at all times; Cardholders can submit proof of assets and take the initiative to apply to the bank to increase the limit.

1, credit card limit reduction standard: whether the credit card will be reduced, the bank has a special system comprehensive evaluation. If the cardholder's behavior touches the bank's control system within a period of time, causing the bank to think that the credit card limit and funds are at risk, the cardholder's credit card will be downgraded. It is also possible to cut interest rates continuously for a period of time.

2. Can the credit card limit be overdrawn?

After the credit card limit is used up, it can still be overdrawn, and the maximum overdraft limit is 10% of the total credit line of the credit card. In other words, if Xiao Ming applies for a credit card with a total amount of 5,000 yuan, he can still have an additional overdraft limit of 5,00010% = 500 after using 5,000 yuan. Specific bank regulations shall prevail. However, there is a charge for this extra overdraft limit, which is generally about 5% of the handling fee. If the credit card overdraft limit is 500, the handling fee paid is generally 5005%=25 yuan.

Let's talk about how to calculate the limit of two credit cards in a bank.