yes. If a bank has multiple cards, it will enjoy the quota, but it will not enjoy the bill. That is to say, if the credit limit of both cards is 1, yuan, the credit limit of A card is 1, yuan, and the credit limit of B card is 2, yuan. At this time, the available credit limit of both AB cards is 7, yuan, but the corresponding amount should be returned to A card and B card respectively when repayment is made, instead of choosing any card to return 3, yuan.

there are five main consequences of overdue repayment of credit card overdraft:

1. Late payment for credit card. ?

2. overdue interest.

3, litigation costs. If the user doesn't repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will ask the lawyer to send a lawyer's letter to the user. ?

4. Bad credit record. ?

5. Criminal responsibility for malicious overdraft.

Extended information:

The solution to credit card arrears:?

1. If it is not convenient to repay in full in the current period, you can repay the minimum repayment amount according to the bill first. Returning the minimum repayment amount will not affect the credit history, and there will be no late payment fee, but interest will be charged for the consumption in the bill. ?

2. The cardholder can also apply for bill installment before the due repayment date of the bill. After successful application, the current bill only needs to repay the undistributed amount, and the first installment amount and handling fee are included in the next bill, which is equivalent to delaying repayment.

3. Because of the high cost of minimum repayment and bill installment, cardholders can also choose to borrow money from friends, or turn around through short-term loan platforms that support the loan-as-you-borrow and micro-loan to reduce unnecessary expenses.

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