Credit cards are a common way of consumption in our lives, and they are also an important tool for many people to solve financial problems in emergencies. But sometimes, we need more funds to meet our needs, and then we need to use a temporary credit card limit. So, how to get a temporary limit on a credit card? How long is the period of use of temporary quota? Today Xiaotan will introduce it to you in detail!

To put it simply, the temporary limit of a credit card is a credit card limit that the bank provides to the cardholder that can be used within a short period of time, in addition to the fixed limit. The temporary limit of a credit card can provide cardholders with certain financial support in emergencies. So how to get a temporary limit on a credit card? The temporary quota is generally obtained in the following situations:

1. Individual application. If the cardholder has a good consumption and repayment record, submits an application to the bank after actively maintaining a good account status, and passes the evaluation review, he or she may be granted a certain temporary limit (generally no more than 50% of the fixed limit) .

2. Granted by the bank on its own initiative. In response to factors such as existing large-scale business partnerships, stable consumption, and high-value customer attributes, banks sometimes proactively issue pre-authorization invitations and open larger temporary credit limits for customers.

3. System activation. Some banks have also set up some tips to increase the available limit in their mobile apps, such as consumption points, Yu'ebao and other operations, which can automatically activate temporary restrictions after certain conditions are met.

Every bank has different usage periods. Generally speaking, the temporary limit of a credit card can be used for 1 to 6 months. If the cardholder fails to repay within the agreed time, he or she will need to pay penalty interest and overdue interest rates in accordance with relevant regulations.

In short, in an emergency, please use the temporary limit function of your credit card with caution and repay the borrowed funds as soon as possible. In addition, it is recommended that everyone develop good spending habits and pay attention to reasonable budget planning in daily life to reduce or avoid unnecessary expenses and debt problems. The above is all the content brought to you by the editor on "How to obtain a temporary limit on a credit card? How long is the period of use of the temporary limit?" I hope it can help you.