When the customer's fixed quota can't meet the consumption demand, he can apply to our bank for a temporary quota, which will take effect immediately after approval. The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires.

After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.

Application method: telephone voice application, call the credit card service hotline to verify identity, press 2 to enter "line inquiry and adjustment", and then press 3 to enter "line adjustment application".

Extended data:

According to Article 24 of the Credit Card Charter of China Merchants Bank (Ninth Edition):

If the cardholder repays all the payable amount with a temporary limit before the due repayment date (inclusive), the non-cash transaction amount in the current bill enjoys interest-free treatment from the bank bookkeeping date to the due repayment date. The longest interest-free repayment period is 50 natural days, unless otherwise agreed by the card issuer and the applicant.

The cardholder can repay the loan according to the temporary limit and minimum repayment amount stipulated by the card issuer. If the cardholder fails to repay in full before the due repayment date (inclusive), he will not enjoy the interest-free repayment period.

For the trading funds whose temporary credit line does not meet the interest-free conditions, the card issuer shall charge interest at the daily interest rate approved by the card issuer from the bank bookkeeping date, and compound interest monthly. If there is any change in the relevant provisions of the People's Bank of China, the relevant provisions shall prevail.

China Merchants Bank-Application for Temporary Quota