1. After holding the card for a period of time, you can apply for increasing the credit limit by speaking on our customer service hotline, logging in to online banking or calling the customer service hotline. We will apply for it for you according to your past card use.
2. When your financial level has improved to a certain extent, you can also provide us with relevant certificates, such as real estate, automobile production, savings certificate of China Merchants Bank, etc. You didn't provide it before, and the relevant departments will re-examine it according to your new information.
Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased.
After one month, the temporary credit line needs to be paid off in one lump sum. Increasing the temporary credit line allows cardholders to enjoy the convenience of spending by credit card at the peak of consumption, but the temporary credit line does not enjoy revolving credit. The actual credit line exceeding the original credit line will be included in the minimum repayment amount of the current statement, which needs to be paid off in one lump sum before the due repayment date.
When the temporary limit expires, if the cardholder has not returned the used part of the temporary limit, the over-limit fee will be charged according to a certain proportion, generally 5% of the over-limit part. In addition, temporary restrictions cannot be phased.
Extended data
Temporary credit line has a time limit, generally 1-2 months. For example, the temporary credit line of ICBC credit card is valid for 60 days, China Merchants Bank credit card is valid for 30 days, and Guangfa credit card is valid for 20-50 days, and it is paid off in one lump sum.
There are restrictions on repayment. You can't repay according to the minimum repayment amount, and you can't repay in installments. When it expires, it is necessary to pay off the part of the temporary quota that exceeds the fixed quota. Therefore, the temporary line can be used, but you must evaluate your repayment ability. If it is overdue, it will be bad. The repayment date of the temporary line starts from the loan date, which is different from the credit card billing date.
Impact of temporary quota: If the loan is repaid when it is fully used, the temporary quota will help to increase the fixed quota. On the other hand, the temporary quota may not be conducive to raising the quota, because the quota of each bank is raised at intervals.
Phoenix Technology-13 Summary of application rules for temporary line of bank, please mention it if you want!