A temporary credit card line is a line that can be used for a short time. Unlike the fixed line, it cannot be used for revolving credit, and the line will be restored to the previous fixed line after expiration. If the cardholder wants to continue to use the temporary limit, he needs to apply again. In addition, the temporary repayment amount can not be paid according to the minimum repayment amount, nor can it be paid in installments, but can only be paid off in one lump sum. Therefore, cardholders must evaluate their repayment ability before using the temporary credit line, and don't be overdue because they haven't paid it back yet. How about using a temporary credit card limit? The above two points are the obvious characteristics of the temporary credit card limit, which most cardholders know. But there are two shortcomings that many people don't know.

1, the use of temporary credit card limit will affect the promotion of fixed limit, mainly reflected in these two points:

① In some banks, after using the temporary quota and paying it off, the cardholder can apply to convert the temporary quota into a fixed quota, which is equivalent to withdrawing cash in disguise.

② Some banks increase the temporary credit card quota, which may not be conducive to increasing the fixed quota. Because there will be a time interval for credit card to raise the fixed limit, some banks will take the opportunity to raise the temporary limit, which is unfavorable for raising the fixed limit.

2. Temporary credit line is not conducive to applying for a new card.

① When the cardholder applies for increasing the temporary credit limit, the issuing bank will make an inquiry on the credit report of the cardholder and leave the inquiry record. Too many inquiry records are not conducive to applying for new cards or other loans.

2. The temporary quota will also be reflected in the credit report. If the limit is too high, it may appear in the detailed version of your credit report, so your short-term application for credit cards and loans will be affected.

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What does the temporary credit card limit mean?

Temporary credit card limit: The bank temporarily increases your total credit on the basis of your permanent credit limit in combination with various factors. For temporary quotas, banks have regulations, which generally increase by about 20% on the basis of fixed quotas.

Credit card available limit: refers to the maximum amount that a credit card can spend, including a fixed credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in a credit card.

But when the cardholder encounters business trip, travel, decoration, etc. This fixed amount may not meet our consumption needs. At this time, you can apply to the issuing bank for a temporary limit. You can call the credit card center of the issuing bank and ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will decide whether the credit limit can be temporarily increased for you according to your card usage record. After the specified time, the credit line will be transferred back to the original fixed line. In addition, you don't have to apply for temporary places yourself. In general holidays, banks will help customers apply for temporary quotas by looking at their card usage. When the temporary quota application is successful, the temporary quota will become the original quota in about one month, that is, as long as you pay off the consumption quota within one month, there will be no interest.

Therefore, this temporary credit card limit means to temporarily increase the credit limit within a certain period of time, and the temporarily adjusted limit is limited to the validity period. Generally speaking, as long as the cardholder has no bad consumption, repays on time and the demand for credit card is high, the demand for increasing the temporary limit will be approved.

What does a temporary quota mean?

If it is a CMB credit card, the temporary credit line is the credit card line that is still valid for a certain period of time. When your fixed quota can't meet the consumption demand, you can apply to our bank for a temporary quota, which will take effect immediately after approval. The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.

What does the temporary credit card limit mean?

The temporary credit line of a credit card has a valid period, which is generally 1 month, and it cannot be used after the valid period.

Temporary line is provided by the bank to meet the temporary consumption needs of customers. Generally, the temporary line is between 10% and 50% of the fixed line. How many temporary lines you can get depends on your qualifications. The better the qualification, the more you get.

The method of applying for temporary credit line is relatively simple. When necessary, you can call the customer service number printed on the credit card, and then you can apply for a temporary credit line.

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Benefits of temporary credit card limit:

For example, when traveling abroad, decorating a new house, getting married, and studying abroad for children need to use a higher credit line in a certain period of time, you can apply to the bank to increase the temporary credit line of the credit card.

It can help us solve the dilemma of urgent need for money and provide us with the convenience of consumption, because it is easier than applying for a fixed amount increase. Generally, as long as you have no overdue records, you can successfully apply for a temporary quota.

Moreover, it is also beneficial to increase the limit, because if you apply for an increase in the temporary limit, the bank will know that your credit card limit is not enough. You just need to pay back on time, keep a good credit record, spend more by credit card, and then it will be easier to apply for an increase in the fixed amount.

However, the temporary line has a certain validity period and does not enjoy revolving credit. Therefore, if the actual credit limit of your credit card exceeds the original credit limit and exceeds the minimum repayment amount included in the current statement, you need to pay it off in one lump sum before the due repayment date.

So much for the introduction of the zero-hour credit card limit.