The invention provides a multi-card terminal resource acquiring method and a multi-card terminal, and relates to the communication technology field. The multi-card terminal resource acquiring method is capable of acquiring the required system resources from the SIM card of the multi-card terminal. The multi-card terminal resource acquiring method is characterized in that the SIM card information of the SIM card, which is currently used by the multi-card terminal, is acquired, and comprises a mobile country code MCC and a mobile network code MNC; when the SIM card information of the resource configuration information of the operation system of the multi-card terminal is not the same as the SIM card information of the currently used SIM card, the resource configuration information is copied, and the SIM card information of the copied information of the resource configuration information is modified to be the SIM card information of the currently used SIM card; the system resource required by the currently used SIM card is acquired according to the copied information of the modified resource configuration information.