Credit card adjustment limit will not be credited. Credit card transfer is only a means and way to adjust the bank's monetary policy, or individual users apply to the bank for transfer due to special or unexpected circumstances. Under normal circumstances, there is no direct and inevitable relationship between the amount adjustment and the credit investigation, which belong to two different fields and will not be investigated.

If you apply for a temporary credit card, the bank will check the credit. Because the bank needs the cardholder's usual credit card usage and credit status to decide whether to give the cardholder a temporary limit. However, some banks have applied for not checking credit information for the time being, mainly depending on the risk control of different banks. But in any case, it is helpful to maintain personal credit information and apply for a temporary credit line for credit cards.

But there are conditions for applying for temporary deposit. It takes more than 6 months to apply for a card, and there is no bad record such as overdue. Some banks require no minimum repayment amount and installment repayment. Applying for temporary deposit will take up an opportunity to raise a fixed amount, so you should think carefully before applying.

To apply for a temporary credit line, you need to determine the approval line according to your usual card use and qualifications, so banks with strict risk control will check the credit information, and those with excessive debt ratio will refuse to raise the amount. However, banks check credit information in the name of post-loan management, which is different from hard inquiries such as credit card approval and loan approval, and has little impact on credit information, so you don't have to worry too much.

For example, the bank can see from the credit report whether the cardholder frequently uses the card, whether he cashes it with a credit card, and whether he repays it on time every month. If he doesn't use the card often after the deadline and the consumption amount is not high, then the withdrawal amount may not be successful. In addition, the credit report can also extract the credit status of the cardholder, such as debt ratio. The debt ratio is high, and the withdrawal amount is hopeless.

As can be seen from the above introduction, you can also check the credit of a credit card with a temporary limit, and it will be marked as post-loan management by the bank. Although post-loan management is neutral, it will ruin credit, even if it is not overdue, it will also affect personal credit and other credit cards and loans.