Second, specifically:
1. The temporary line is valid for a certain period, and it will be automatically restored to the original line after the period expires, and you can borrow cash in advance. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date. If there is still a temporary limit under the condition of non-maturity/non-repayment, you can apply for adjusting the temporary limit again, subject to the approval of the system.
2. Temporary quota of China Merchants Bank:
1) Since the validity period of the temporary credit line of China Merchants Bank Credit Card is generally about 30 days, customers can apply for the temporary credit line once a month (it takes more than 3 months to apply for the temporary credit line of China Merchants Bank Credit Card for the first time).
2) Of course, you need to note that the temporary line will be fully included in the minimum repayment amount of the bill after it expires, so the customer must pay off all the used temporary lines before the repayment date (inclusive). Otherwise, it will be overdue, affecting personal credit, and then applying for a temporary line is likely to be rejected.
3) Also, after the temporary credit line of China Merchants Bank automatically expires, SMS notifications are often not sent, so customers should pay attention to themselves to avoid delaying the use of cards.
4) If it is a CMB credit card, the temporary quota cannot be changed into a fixed quota. If it is necessary to increase the quota, the bank will increase the quota for cardholders with good credit records from time to time. Cardholders can also apply for an increase in the fixed amount by themselves, and the bank will review their consumption, repayment and other card use and decide whether to increase the fixed amount.
3. Will the temporary quota be converted into a fixed quota?
1) Generally speaking, temporary quota cannot be directly converted into fixed quota. However, the temporary quota and the fixed quota are just a telephone gap. Generally speaking, there will be a time limit when adjusting the temporary limit, which can be one month, two months or three months (each bank is different, and the credit card time limit of China Bank is different). Generally, you can choose the longest time, and then call again to adjust the quota when the time for adjusting the quota is approaching. In fact, it will be adjusted indirectly for half a year.
2) In this half year, try to raise cards, spend more, swipe more cards, pay less online, try to use more than 80% of the quota, and repay on time or even in advance. It can also give the bank benefits, such as using the bank's installment repayment to make the bank earn interest money. During the period of using the temporary credit line, the bank has seen the good habit of using the card and sufficient repayment ability, and it is very likely that the temporary credit line will be converted into a fixed credit line.