In the process of using credit cards, mobile banking will display two types: fixed line and temporary line. But when the fixed amount is not enough, temporary amount can be called to solve the fund problem. Many people think that the temporary line is an extra line given by the bank and can be used with confidence. As long as it is finally returned, there is no big problem. But can the temporary credit card limit really be used casually?

The difference between a temporary quota and a fixed quota is that the limitation period of the temporary quota is very short, usually one to three months, and this part of the quota disappears. In addition, the temporary line cannot be paid in installments, that is, all the money must be repaid immediately on the repayment date. Therefore, the temporary quota is equivalent to one-time use, and the bank will only give you one chance. It is best not to call the temporary quota the last resort.

In addition, the minimum temporary credit card limit cannot be repaid. It doesn't look like a fixed amount. The minimum monthly payment can help you cushion the repayment pressure. The minimum repayment amount of the fixed amount is only 10% of the total repayment amount. However, the temporary amount must be paid off on the repayment date, and the repayment must be added with a fixed amount of 10%, which means that the repayment pressure of your month will be enormous. Many people who don't understand think that the temporary quota is a fixed quota, but they find that they need to pay back so much money on the repayment date, and they can't raise so much money at the moment, so they have to wait for the deadline. As you can imagine, there are not only late fees, but also super-high interest.

The use interval of the temporary line varies from bank to bank, generally about 6 months. In other words, you used the temporary quota once, and you will have to wait for half a year to use it next time. In addition, in banks, there are stages to cancel the fixed quota, such as once every six months or once a year. If the temporary limit is used once, it will take time for the fixed limit to recover. If you often use temporary lines, fixed lines will increase in the distant future, so you will think that banks will never increase your lines.

For the temporary credit card limit, whether it is a fixed limit or a temporary limit, card users should manage their own consumption and don't rely too much on credit cards, otherwise it will easily become? Kanu? . If you become a dishonest person, you will not only bring trouble to your life, but also be sued by banks and subways. Trains, planes and other means of transportation can not be used, which will also affect children's education, and private schools can not go. In addition, high-end consumption such as hotels, insurance and going abroad cannot be carried out.