The reasons for rejection of temporary credit limit application for credit card are as follows:

1. Card usage period

If the card is opened less than six months ago, the bank will not approve the application.

2. A lot of online consumption

For credit cards, most banks do not want to have too large online transactions, because the probability of credit card cash-out in online transactions is very high.

3. There is an overdue record

If you have a credit limit and do not repay it overdue, and you want to apply for a temporary credit limit, the bank will reject it.

4. Spending power

If the cardholder does not use his credit card frequently and cannot use up the credit limit, generally speaking, the amount shown on the cardholder’s credit card statement for each period is less than When the limit reaches half of the limit, the bank will consider the current limit to be enough for you. This kind of consumption record is not conducive to applying for a temporary quota.

Extended information

1. Bank of China: The first withdrawal of temporary quota requires a repayment record, and there is no time limit for subsequent withdrawals.

2. ICBC: There is no time limit for the first withdrawal. The temporary limit will be requested again one month later.

3. China Construction Bank: China Construction Bank requires a temporary limit of 2 months after holding the card for the first time, and 1 month after holding the card again.

4. There is no time limit for Agricultural Bank of China, Industrial Bank and China Merchants Bank.

5. Guangfa and Huaxia: The first withdrawal requires holding the card for 6 months, the second withdrawal by Guangfa still requires 6 months, and Huaxia requires 2 months.

6. Pudong Development Bank: The first request is to hold the card for 4 months, and the second request is 1 month later.

7. Everbright: It takes 3 months to hold the card for the first time, and it will still take 3 months to apply again.

8. Neither Bank of Communications nor CITIC can apply for temporary quotas. You can only wait for invitation from the bank.

9. People’s Livelihood: The first application requires holding the card for 6 months. If you wish to apply again, you need to wait for invitation from the bank.

Temporary quotas have time limits, usually 1-2 months. For example, the temporary quota of ICBC credit card is valid for 60 days, the validity period of CMB credit card is 30 days, and the validity period of Guangfa Credit Card is 20-50 days. It expires Pay off in one lump sum.

There are restrictions on repayment. You cannot repay according to the minimum repayment amount, nor can you pay it in installments. When it expires, you must pay off the temporary limit that exceeds the fixed limit. Therefore, the temporary limit can be used, but you must evaluate your repayment ability. It will be bad if it is overdue.

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