Conclusion: When you hold two or more credit cards of Guangfa Bank, their credit lines are actually enjoyed by * * *. This kind of * * * enjoys customer-based credit evaluation, that is, the overall comprehensive limit is determined according to the individual's credit status, and each card enjoys this limit. For example, if you have five cards with a total credit limit of 1, yuan, even if you use one card to overdraw 2, yuan, the remaining cards still have a credit limit of 8, yuan.

however, the * * * entitlement also has its limitations. First of all, although the number of credit cards is increased, the total amount will not increase significantly, which may limit the credit utilization efficiency of cardholders. Secondly, credit card management has become complicated, because even in the same bank, the accounts of each card are independent, and bills and repayments need to be handled separately to avoid overdue. Finally, the issue of annual fee can't be ignored. Even if the card levels are the same, the annual fee reduction and exemption needs each card to meet the standard separately and can't offset each other.

Generally speaking, the credit card limit of Guangfa Bank is convenient to use, but it also brings some management challenges, which need to be carefully considered by cardholders.