Hello, 1. The so-called fixed credit limit refers to the maximum limit that the card issuer can use after comprehensive evaluation by the card issuer within a certain period of time. The credit card fixed limit is permanent during the validity period of the credit card. Yes, it will not expire.

2. Corresponding to the fixed credit limit is the temporary credit limit. The temporary credit limit refers to the credit limit that is temporarily increased on the basis of the permanent credit limit and is temporary.

3. The fixed credit limit will change based on the cardholder’s card usage. If the cardholder’s credit status improves within a period of time, the cardholder can apply for an increase in the limit; however, if the cardholder If there is illegal use of credit cards or overdue behaviors, the bank will reduce the fixed credit limit or even close the credit card.

: 1. What is credit?

Credit means the trust gained by being able to fulfill a promise. Credit is the trust and integrity accumulated over a long period of time. Credit is rare and easy to lose. The credibility accumulated over ten years is often lost due to words and deeds in one moment. It also refers to our past positive record of fulfilling commitments. It is also a kind of performance art, a behavioral management model that everyone can try and self-manage.

2. What is the connotation of credit

With the development of human history, the word "credit" has contained extremely rich connotations. This may be one of the most complex and elusive concepts in human cognition, "Some things exist only in people's minds. Among these things, none is more strange and subtle than credit

From a legal perspective: The General Principles of the Civil Law stipulates that “civil activities shall follow the principles of voluntariness, fairness, compensation, and good faith”; the Contract Law stipulates that “when parties have disputes over the content, meaning and application of the contract, they shall be honest, trustworthy, and keep their promises.” , interpret the contract in accordance with the principle of good faith."

From an economic point of view: Credit means that the credit grantor lends money to the trustee with a contractual relationship on the basis of full trust in the trustee to fulfill his promise. , and guarantee the return and appreciation of its principal value changes in commodity exchange or other economic activities.