For example, "quota sharing" means that all credit cards held by the same cardholder use the same quota. When a person applies for multiple credit cards in the same bank, the quota is the same and will not increase. For example, if you hold two credit cards from a bank with a credit line of 1 000 yuan, then the two credit cards share the credit line of 1 000 yuan. When you overdraw 800 yuan with one card, you can also overdraw 200 yuan with another card of 65,438 yuan +0.
Multiple cards in the same bank have different levels and enjoy different rights and interests. Starting with multiple credit cards from the same bank, it is more because the cards have different levels and can enjoy different rights and interests. Starting from the distance of China Merchants Bank, starting with a platinum card of China Merchants Bank and a popular card of China Merchants Bank-Young card.
Collection. Another situation is to collect beautiful cards. A former colleague of Sister Ka received dozens of credit cards from more than a dozen banks, all of which were activated for collection.
The sum of overdraft limits of all cards cannot exceed the limit of the card with the highest limit. If you hold a dual-currency card, the limit of RMB and foreign currency is also shared. If you use the original credit card limit for consumption and installment, it will occupy your available limit (such as consumption installment, bill installment, cash installment and merchant installment). If you apply for a large special installment (such as car purchase installment and house purchase installment), it will not occupy your available quota.
References:
Share quota-Baidu Encyclopedia