If the quota is used up, you can apply to see if you can increase the temporary quota. If you can't refund the temporary quota, you can only repay it first, and then spend it after the quota is restored.
First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;
1. If it is paid off in full, no cost will be incurred;
2. For the minimum repayment amount, the daily interest shall be calculated at 0.05% from the consumption bookkeeping date;
2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue, and the interest will be calculated at 0.05% per day from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.
Extended data:
How to increase the credit card limit;
1. Credit cards cannot be used as savings cards.
I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.
2. Always swipe your credit card
There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.
If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.
3. Irregular high consumption
Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.
You can't cash out maliciously.
Credit cards support cash withdrawal. If you withdraw cash normally, you can also increase the amount. But if it is malicious cash, once it is discovered, it will be banned and downgraded. It will be more difficult to leverage loans by raising the quota.
In fact, this can also be circumvented. Don't swipe your card on the same credit card machine for many times in a short period of time, and don't swipe your card with integer mantissa, or swipe your card during closed hours. As long as it does not conform to the normal consumption logic, it will naturally not be judged as malicious cash.
Baidu Encyclopedia-Credit Card Maturity Repayment Date
Baidu encyclopedia-credit card limit