The so-called "shared line" means that all credit cards held by the same cardholder use a common line. For example, if you hold two credit cards of China Everbright Bank with a credit line of 50,000 yuan, then these two credit cards will jointly use the credit line of 50,000 yuan. When you overdraw 2000 yuan with one card, you can overdraw 48000 yuan with other 1 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.

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Matters needing attention

First of all, because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened.

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

Two, credit card merchants or banks to accept credit cards, to review the validity of the credit card and the identity of the cardholder. The credit card has at least the following information on its surface:

1. Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

2. Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the four digits in the signature column on the back of the credit card are used for credit card activation, password management, television, telephone and online transactions, etc. ).

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