The temporary credit line of China Merchants Bank's credit card cannot be phased. Even if the user selects the minimum repayment amount, the amount used will be fully included in the minimum repayment amount. If you choose to repay by installment, the temporary amount used will not be included in the installment amount, so this part of the amount always needs to be repaid in full. After all, there is a certain time limit for temporary restrictions. Once the validity period expires, the temporary limit will be invalid and the credit card will be restored to the original limit. So it is impossible to pay by installment; When repayment is made, the temporary limit of the cardholder's consumption is usually included in the minimum repayment amount of the current bill, and the cardholder needs to pay it off before the repayment expires.

If the cardholder can't pay off within the prescribed repayment period, it is overdue. The overdue situation will be reported to the central bank for credit reporting by the system, leaving a bad record in the personal credit reporting and damaging personal credit; It also affects the cardholder's subsequent card processing and loan. However, if the cardholder really can't repay on time, he can contact the bank to negotiate and apply for an extension of installment repayment. If the bank agrees, the cardholder can repay according to the agreed new repayment period; But banks generally don't agree easily. If they do not agree, they must return it as soon as possible.

The temporary quota of China Merchants Bank is valid for about 30 days, and the longest is 59 days. If the user wants to extend the validity period of the temporary quota, he can apply after the expiration, and China Merchants Bank will review it according to the user's situation. If you want to change the temporary quota to a fixed quota, it is recommended to use credit cards for spending more at ordinary times, and occasionally you can spend more with a larger quota, while maintaining your good repayment credit and avoiding the negative situation of overdue, so there is still great hope for improving the quota.

China Merchants Bank is the first joint-stock commercial bank in China that is wholly controlled by an enterprise as a legal person. Founded on April 8, 1987, with its headquarters in Shenzhen.