Agricultural Bank has always enjoyed a good reputation among the public, so many people have applied for agricultural bank credit cards. What people are most concerned about is the credit card limit. If the amount is not enough, they will want to raise the amount. Especially when you suddenly need to use a large sum of money, you will think of increasing the temporary credit card limit. So, what are the conditions for increasing the temporary credit line of ABC? How to apply for withdrawal?
What are the conditions for the temporary credit line of ABC?
First, the card time.
If you want to increase the temporary credit card limit of ABC, you should stick to using the card for at least three months.
Second, consumption.
During the three months of continuous use, you must also keep the monthly consumption at least 30% of the total credit card.
Third, credit.
Credit history is very important. Only if there is no bad credit record within three months of use can you apply for a temporary credit line.
How to apply for temporary credit line of ABC?
1. You can log in to the online banking of Agricultural Bank of China, click to enter the Credit Card interface, then select Card Management and click Adjustment of Main Card Limit to apply for increasing your temporary limit.
2. You can call the customer service hotline of China Agricultural Bank at 95599 or 400-669-5599 to apply for a temporary special line.
3. You can pay attention to the fact that ABC is the official account of WeChat, then bind the credit card, click "Kaka Online" in the official account of WeChat, and then select "Quota" in the "Quota" interface to apply for a temporary quota.
The above is a summary of the conditions and application methods of the temporary credit line of Agricultural Bank of China. If you want to increase the temporary credit line of ABC, you must meet the above conditions. It should also be noted that the temporary credit line for credit card upgrade will have a certain validity period.
Can the temporary quota of ABC be used?
The temporary credit limit of a credit card can be used like an ordinary credit limit.
It's just that the temporary quota is generally only valid for one month, that is to say, even if it is less than the normal repayment period, the temporary quota will be paid off in one month.
Otherwise, it will generate overdue interest. This must be noted! The temporary credit line of ABC credit card is valid for two months at the longest. If it is not used, it will be automatically restored to the original credit limit after expiration.
You can apply for the promotion quota in the following ways: you can apply through the Agricultural Bank of China counter, credit card customer service manual, WeChat Bank, Pocket Bank, self-service voice and online banking. Note: account opening interval: temporary credit card needs to be used 1 month, subject to approval. Adjustment interval: the temporary allowance must be one month after the last adjustment, which needs to be approved.
Extended data:
agricultural bank
1, ABC likes to spend a lot of money, such as buying home appliances and decorating. Of course, before using this, try to call customer service to explain the situation. Agricultural Bank of China can spend more and brush more, without limiting the number of swipes. Agricultural Bank of China prefers to brush.
2. Don't you think it's not worth having if the amount provided by Agricultural Bank is not capped? And as long as you use the credit card of Agricultural Bank of China, it will be given to you more or less every once in a while, basically in the first half of the year.
3. Agricultural Bank of China has running water. Of course, credit cards can also be divided into stages, so that when banks make money, they will naturally increase your quota.
4. Remember that it is basically difficult for ABC's credit card not to cash out, and it is difficult for ABC to withdraw cash after cashing out.
5. ABC's temporary quota occupies a fixed quota, that is to say, using temporary quota means occupying a fixed quota promotion time, and it is best not to use temporary quota.
6. Don't call customers frequently to apply for cash withdrawal, or your credit report will show post-loan management.
7. ABC WeChat and telephone self-service voice can only increase the temporary quota.
8. Curve withdrawal, such as the credit currency some time ago. After the application is successful, call customer service and ask for leveling the line.
Generally speaking, if your credit card has a good record and there is no overdue or other illegal use of the card, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled at several times of the fixed limit. In addition, on Christmas, New Year's Day, Spring Festival, Eleventh and other fixed holidays, the bank credit card center will actively adjust the temporary credit card limit. Generally, the increased temporary credit limit is x times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota about one month after the holiday.
9. Generally, the temporary credit line of credit card cannot be repaid in installments, because the temporary credit line consumed by customers is usually included in the minimum repayment amount of the bill, so customers need to pay off in full and on time within the specified repayment period, and the minimum repayment amount is not allowed.
If the customer fails to pay off the temporary limit in full and on time, it is actually equivalent to not paying the minimum repayment amount of the current bill. In this way, it will be overdue, resulting in personal credit damage, and bad information will be recorded in the credit report.
Of course, if the total repayment amount of the bill, including the temporary limit, is too large, the customer can still make installment repayment or minimum repayment on the bill.
After the installment application is successful, the outstanding installment will be paid off this month, and then the repayment will be made on time from the next month; Pay off the minimum repayment amount of the bill first, and then pay off the remaining unpaid part next month (note that the remaining unpaid part is included in the minimum repayment amount of the next bill, so it must be paid off next month, otherwise it will be overdue).
What if ABC's temporary credit line expires without money?
The temporary credit line of Agricultural Bank of China is generally valid for 90 days. After the use period, the temporary credit line will be invalid.
There are two points to note:
1. The use of the temporary line will be recorded in the next minimum repayment amount, which needs to be paid off in one lump sum, otherwise there will be late fees and interest. If the credit card exceeds the limit, it is necessary to pay the excess fee, which is generally about 5% of the excess.
2. You can apply for the temporary quota again when it expires, but only if the temporary quota of the previous period has been paid back first, or if it has already been paid back, can you apply again successfully.
Bian Xiao reminded: The temporary credit card limit is for emergency service and cannot replace the fixed credit card limit. If you have long-term funding needs, it is best to apply for an increase in the fixed amount; At the same time, you must remember to repay on time after brushing the line, otherwise it will affect your credit history.
Extended data
The installment payment of Agricultural Bank credit card is divided into the following categories:
1, shopping mall by stages
When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
2. Mail order installment payment
The cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and selects from the limited commodities. Then, order through online installment mall, telephone or fax mail order installment application form, etc. And mail order installment is generally free regardless of the number of installments.
3. Bill installment payment
Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments.