What is a temporary credit card limit? As the name implies, it is the amount given by the bank to solve the temporary cash flow difficulties of credit card holders. It has a certain service life, generally about 30-45 days, and will disappear automatically after expiration, and the line will become the original fixed line. Friends who have used credit cards know that a fixed amount can be repaid in installments, with a minimum repayment amount, while a temporary amount is just the opposite. Not only can't you pay by installment, but you can't repay the loan at the minimum. It will be fully included in the current bill of the credit card, and the cardholder needs to repay it in full and on time, otherwise the credit card will be overdue, resulting in overdue penalty interest and affecting personal credit information.
As we all know, it is more difficult to increase the fixed credit card limit than to ascend to heaven, and even some friends have been standing still for several years. So many friends want to ask, how can we convert the temporary quota into a fixed quota? The following small series will teach you the specific operation method:
1. First, use the credit card continuously for more than 6 months, keep the daily credit card frequency between 20-30 times a month, and try to use offline consumption;
2. Then call the official credit card hotline of the issuing bank to apply for a temporary quota for reasons such as travel, going abroad, decoration, etc., so that the pass rate will be higher;
3. Spend your temporary limit and pay it back in full after the credit card bill comes out. After repeated several times, you can ask the bank for a permanent limit.
The above are some methods summarized by the detective to temporarily increase the amount, but there is no guarantee of success. After all, "practice is the last word", interested card friends can try to operate it.