A temporary credit limit is simply a limit that can be used temporarily. Unlike a fixed limit, credit cannot be extended on a recurring basis. After expiration, the limit will return to the previous fixed limit. If the cardholder wants to continue to use the temporary limit, he needs to apply again. In addition, the temporary amount of repayment cannot be repaid according to the minimum repayment amount, nor can it be repaid in installments, but can only be repaid in one go. Therefore, cardholders must evaluate their repayment ability before using the temporary limit, and do not overdue due to insufficient payment. Is it a good idea to use a temporary limit on a credit card? The above two points are obvious features of the temporary limit of credit cards, and most cardholders are aware of them. But there are two disadvantages that many people are probably unaware of.

1. Using the temporary limit of a credit card will affect the increase of the fixed limit, which is mainly reflected in these two points:

①. In some banks, after the cardholder uses the temporary limit and pays it off, he or she can apply to convert the temporary limit into a fixed limit, which is equivalent to a disguised limit increase.

②. Some banks increase the temporary limit of credit cards, which may not be conducive to increasing the fixed limit. Because there will be a time interval for increasing the fixed limit of a credit card, some banks will take up an opportunity to increase the temporary limit, which is detrimental to increasing the fixed limit.

2. The temporary credit limit is not conducive to applying for a new card

①. When a cardholder applies to increase the temporary credit limit, the card-issuing bank will query the cardholder's credit report and leave a query record. Excessive inquiry records are not conducive to applying for new cards or other loans.

②. The temporary limit will also be reflected in the credit report. If the limit is too high, it may appear in the detailed version of your credit report, which will affect your short-term application for credit cards and loans.

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