if the credit card holders of China merchants bank can use the fixed quota, there is no need to use the temporary quota given by China merchants bank. If the fixed amount of credit card holders of China Merchants Bank is not enough, you can consider using the temporary amount given by China Merchants Bank. However, the cardholder should pay attention to the fact that the temporary quota needs to be paid off in one lump sum when repaying, and there is no option of repayment by installments. Therefore, the temporary quota should be used with caution.

after the temporary limit is successfully upgraded, it can be used immediately. The used temporary line (the part exceeding the fixed line) shall be included in the minimum repayment amount of the next bill after it expires, and shall be paid off in one lump sum on the due repayment date. The specific repayment amount shall be subject to the bill. If the account is not paid off on time, interest will still be charged. There will be no over-limit fee for using the temporary quota. There is no handling fee for applying for temporary quota increase. Applying for a temporary quota requires bank evaluation, and the results may be inconsistent every time.

1. What is the impact of using the temporary quota granted by China Merchants Bank on the fixed quota?

Compared with the temporary quota, it is more difficult to raise the fixed quota. Using the temporary quota given by China Merchants Bank is beneficial to the promotion of the fixed quota.

In addition, failure to pay off the temporary credit line in time may cause bad personal credit information. The use of the temporary line has a certain period of time, and it needs to be paid off in one lump sum, and it cannot be repaid in installments. If it is overdue, it will be recorded on personal credit.

2. Precautions for using the temporary credit line

1. The temporary credit line has a certain use period, and cardholders should always pay attention to it.

2. the use of temporary credit line does not enjoy the convenience of circulating credit, and it needs to be paid off in one lump sum on the due repayment date.

3. overdue repayment will charge a certain amount of interest and late fees, which will also be recorded in personal credit.

4. there will be no over-limit fee for using the temporary line.

5. The temporary limit given by China Merchants Bank is different every time, and the bank will give the appropriate temporary limit according to the cardholder's usual consumption level and repayment ability.

The biggest advantage of the temporary quota is that it can be used for emergencies. Often, there are card friends who have insufficient credit card quota when spending. With the increase of the temporary quota, they can buy their favorite goods home smoothly. In addition, if the fixed quota cannot be raised, the bank can feel the cardholder's demand for the quota by using the temporary quota, and the cardholder who uses the card well will be raised.