CCB credit card is the easiest card issue among the four major state-owned banks, attracting many cardholders to apply for cards. However, some card friends will apply for more than one CCB credit card when the card approval amount is relatively low, thinking that they can get more credit cards, but this is not the case. We should know that CCB credit cards implement the principle of quota sharing, and having multiple credit cards does not have much effect on quota improvement.

Many card friends don't understand credit card quota sharing. They think that the more CCB credit cards they handle, the more total amount they can use. After all, in the eyes of many people, the available amount of multiple credit cards is the sum of the amount of each credit card, but the results are not the same. This is because the credit card of CCB is shared by the credit line.

The so-called quota sharing means that all credit cards under the same CCB account share a quota, which is mainly based on the maximum credit card quota, and overdraft consumption of one credit card will reduce the available quota. In addition, if you hold a dual-currency card, the amount of RMB and RMB is also shared.

For example:

If you have a credit card with a quota of 30,000 yuan and then apply for a CCB student credit card with a quota of 20,000 yuan, it does not mean that the maximum available quota is 50,000 yuan, but according to the principle of quota sharing, the maximum available quota is only 20,000 yuan. If you spend 654.38+00000 yuan with the CCB international student credit card, the maximum available amount of the priority card is only 20000 yuan.

To sum up, all credit cards of CCB have the same credit limit, subject to the maximum credit card limit, and the dual-currency card RMB and RMB also have the same credit limit. In this way, no matter how many CCB credit cards are handled, cardholders can only enjoy the maximum amount, which avoids the problem of excessive credit granting and can control risks well.

I have two CCB credit cards. Are the two credit cards shared?

The credit limits of these two credit cards are shared. Your credit card limit under the name of CCB does not accumulate, but you share a maximum limit. For example, 30,000 A cards, 50,000 B cards, 30,000 A cards are used up, and only 20,000 B cards can be used. In other words, the two cards add up to 50,000, not 80,000, and the A card does not exceed 30,000.

At the same time, when all the cards are used up, remember to repay them separately.

Extended data:

China Construction Bank has not stipulated the upper and lower limits of credit card credit limit. At the time of preliminary examination, the quota shall be comprehensively evaluated according to the information attached to the application and the specific circumstances. Please refer to the evaluation results for the specific amount.

The credit card amount applied for the first time is often not high, not exceeding 1 000 yuan, while the gold card amount of CCB is only 1 000-50,000 yuan.

The credit limit of the first application for CCB credit card is closely related to the information provided by the applicant. The more detailed the information, the higher the success rate of card processing and the higher the corresponding limit. Moreover, the fixed withdrawal of CCB credit cards is very difficult, and it is usually necessary to supplement financial proof. Therefore, if it is the first time to apply for a CCB credit card, it is recommended to provide as many proof materials as possible.

If you use a credit card to spend, you can generally control it unlimited every day within the limit; Generally, the advance cash of a credit card does not exceed 50% of the customer's credit limit (cash withdrawal, cash transfer and cash sharing in installments), and does not exceed the current available credit limit of the card. Overdraft cash withdrawal and cash transfer do not enjoy interest-free repayment period. The daily withdrawal limit of each card in the counter channel is 20,000 yuan, and the daily withdrawal limit of each card in the self-service equipment (such as ATM) channel is 654.38+00,000 yuan. The cash transfer limit of counters, intelligent teller machines (STM), automatic teller machines, mobile banking and personal online banking channels is 20,000 yuan per card day and 50,000 yuan per card month. The actual amount that can be processed will also be affected by the card amount and usage. If you need to withdraw or transfer money beyond the limit, please go to the counter of CCB outlets.

The annual fee policy of CCB credit card is roughly as follows

Puka, the annual fee of the main card is 80 yuan, and the auxiliary card is 40 yuan;

Gold master card: master card 160 yuan, and deputy card 80 yuan; Both of them are free of annual fees by swiping the card or withdrawing cash (unlimited amount) three times a year.

Titanium Gold Platinum Card: the main card is 380 yuan, and the auxiliary card is 180 yuan. There is no annual fee for spending by credit card or withdrawing cash 6 times a year (unlimited amount). (This is a preferential annual fee policy until 17 12 3 1).

Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. There is no annual fee for spending or withdrawing 10 cash (unlimited amount) by credit card every year.

Some card types, such as VISA single logo, MasterCard single logo and JCB single logo, are exempt from annual fee within the validity period.

General physical store credit card and online shopping consumption meet the requirements of annual fee reduction.

I have two CCB credit cards, both of which are MasterCard. Are there any quotas for those two cards?

I have two CCB credit cards, both of which are MasterCard. Are there any quotas for those two cards?

In terms of credit limit, if the landlord holds multiple CCB credit cards, then they do share a maximum credit limit. For example, 30,000 A cards, 50,000 B cards, 30,000 A cards and only 20,000 B cards can be used. In other words, the two cards add up to 50,000, not 80,000, and the A card does not exceed 30,000.

At the same time, remind the landlord that when the card has been opened for use, remember to repay it separately.

I have two credit cards of China Merchants Bank, both of which are MasterCard. Is it a shared credit line?

All credit cards (including supplementary cards) under the personal card name of the main credit card holder of China Merchants Bank share the same fixed amount, and the amount of multiple credit cards will not be accumulated.

Are the two credit lines of CCB shared?

Yes, the credit card quotas applied by the same customer in CCB are shared, and the credit card quotas applied in different banks are separate.

I have two ABC credit cards, both of which are MasterCard. Are quotas shared?

The quota of the same bank is shared.

Conditions for applying for a credit card:

1. At least 18 years old, with full capacity for civil conduct;

2. Have a good credit record;

3. Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.

Credit card application materials:

1. Identity information: copy of resident ID card or military officer's card;

2. Proof of work and income;

3. Other financial certificates: such as photocopies of real estate license, automobile driving license and deposit certificate.

Credit card application method:

1. Bring the credit certificate to the counter to apply: the applicant needs to submit a relatively complete asset certificate and submit it to the bank for review by the bank's background audit department.

2. Online banking application: The applicant opens online banking with a personal savings card account, enters the required bank official website, and enters the online banking page after entering the login password and verification code. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking.

I have two credit cards from China Construction Bank. Are quotas shared?

It is estimated that the quota share is more likely. You can consult CCB credit card customer service for details, and they will help you find out.

I hope my answer can help you. I hope it can be adopted. Thank you.

Are the credit card limits of the two CCB banks shared immediately?

Yes, sharing.

Apply for multiple CCB credit cards with the same name, and share the quota. For example, if A card has a quota of 50,000 and B card has a quota of 50,000, then the two cards can use a total of 50,000 instead of 654.38+ 10,000.

What does it mean to share the credit lines of two CCB credit cards?

That is, you had a 10000 CCB card before.

Now I have another CCB card, and it is still 1 10,000.

Old card 1 ten thousand+new card 1 ten thousand = 1 ten thousand.

If the new card is approved for 20 thousand

Old card 1 10,000+new card 20,000 = 20,000.

This is quota sharing.

There are two CCB credit cards, sharing the quota. The minimum repayment is 2000 yuan. Can I return the card directly?

No, the credit card limit of CCB is shared, but the repayment needs to be repaid separately.

If CCB applies for two credit cards, are the credit limits of the two credit cards shared?

Yes, credit card conditions:

1. The minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;

2. Need my second-generation ID card;

3. There is a work certificate and income certificate stamped with the financial chapter of the unit;

4. No bad credit record;

5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

Materials required to apply for a credit card:

1. Applicant's ID card;

2. Credit card application form of the application bank;

3. Work certificate and income certificate stamped with the financial seal of the unit;

4. Individual businesses need individual business licenses and tax bills for nearly three months;

5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.

Credit card application process:

1. Fill in the application form;

2. The bank's own information, and a copy of these information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I opened the card and waited for the password letter.

My two CCB credit cards are both MasterCard. Why should I share the quota?

The credit card of the same bank with the same ID card shares the credit line, unless the other card is a business card.

At the same time, there are two CCB credit cards. Do you share one?

Yes, in the same bank, handling multiple credit cards is a total amount.

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.

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 credit limits, the total overdraft in use cannot exceed the shared credit limit of the brand credit card.

Extended data:

Tips for using credit cards:

1. Pay in full to avoid cyclic interest.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.

2. Temporarily increase the credit limit to avoid credit card overdraft.

In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

3. The minimum repayment amount must be paid in full to avoid late payment.

In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.

References:

China Construction Bank Credit Card (Multi-account Management)-Baidu Encyclopedia

Why is my credit card limit the same?

According to the law of our country, the credit card limit of the same bank is shared and does not need to be handled. Because one is the main card and the other is the auxiliary card, the main card and the auxiliary card share the credit limit, and the cardholder of the main card can specify that the credit limit of the auxiliary card should not be higher than that of the main card. If the supplementary cardholder uses the credit card to spend or withdraw cash, the available amount of the main card will be reduced accordingly.

According to Article 6 of the Credit Card Charter of China Construction Bank, a natural person who has reached the age of 18 and has full capacity for civil conduct and repayment can apply for a personal card master card with his valid identity document and relevant supporting documents, or apply for a supplementary card of other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply for cancellation of the supplementary card at any time.

According to Article 5 of the Credit Card Charter of China Construction Bank, "credit line" refers to the maximum credit line approved by the bank according to the credit status of the cardholder and used by the cardholder within the validity period of the card, including fixed line, temporary line and special line.

Extended data:

Article 20 of the Credit Card Charter of China Construction Bank stipulates that if the cardholder repays all the repayable amount before the due repayment date (inclusive), the current consumer transactions on the current statement will enjoy interest-free treatment. The interest-free repayment period will be notified by the bank separately.

Article 21 stipulates that if the cardholder fails to repay all the due repayment amount before the due repayment date (inclusive), he can repay any amount not less than the minimum repayment amount, but the consumer transaction funds that should be repaid no longer enjoy interest-free repayment treatment.

Precautions for dual card sharing

1. There is no separate bill and bill for the supplementary card of the credit card. All transaction details of the supplementary card are printed on the bill of the main card and provided to the cardholder of the main card in a unified way, so that the cardholder of the main card can master and understand the usage of the supplementary card. Please pay attention to the last four digits of the bill to show the difference.

2. Accessory credit card holders can handle dragon card payment business, and other installment business is not supported for the time being.

3. Shanghai does not apply for supplementary cards for the time being, but other parts of the country can apply for them. You can apply for up to two supplementary cards for each main card, but you can't apply for supplementary cards for second-class accounts of wealth management cards.

China Construction Bank-Is the credit card supplementary card the same as the main card?

So much for the introduction of establishing credit card quota sharing.