Temporary credit limit refers to the credit limit temporarily adjusted by the bank to credit card holders. Generally speaking, the temporary credit limit is increased.

When the fixed credit limit of the user's credit card is not enough (for example: decoration, travel, etc.), the user can call the credit card center of the card-issuing bank and ask customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased for the user based on the user's card usage record. After the specified time, the credit limit will be adjusted back to the original fixed limit.

If the user's credit card usage record is good and there is no overdue or other illegal use of the card, the credit limit can be temporarily increased. The range of the temporary credit limit increase is generally controlled to X times of the fixed limit. ?

During fixed long holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank's credit card center will actively adjust the temporary limit of the credit card. Generally, the temporary limit will be increased to X times the fixed limit for cardholders to spend during the holidays. use. It will take about one month after the holiday to return the user's quota to the original fixed quota.

Extended information

Notes on applying for the temporary limit of Bank of Communications credit card:

1. The temporary limit has a validity period, and the temporary limit of Bank of Communications credit card will be increased when Generally it is 2 to 3 months. For the specific end time, you need to call the Bank of Communications’ 24-hour credit card customer service hotline for details.

2. The temporary limit cannot be recycled, so minimum repayment or installment repayment cannot be made. The cardholder must repay the increased limit in full.

3. How much a cardholder's temporary limit can be increased depends on their own conditions and card usage. Bank of Communications will have a system to make judgments. The limit adjustment will be different for each person's card usage.

Baidu Encyclopedia--Bank of Communications Credit Card

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Baidu Encyclopedia-Temporary Limit