Many times, in fact, banks will take the initiative to increase the temporary quota for cardholders, and cardholders can also apply for temporary quotas themselves when necessary. Then, do these temporary credit lines have to be paid off once they expire? How to apply for a temporary quota yourself?

Do I have to pay back the temporary credit card limit when it expires?

Temporary limit and fixed limit are both a kind of credit card limit, which must be repaid after use. However, compared with the fixed line, the temporary line is valid for 1~3 months, and automatically becomes invalid after expiration. The part exceeding the original available line will be included in the minimum repayment amount of the current bill and must be paid off in one lump sum.

How to apply for temporary credit card limit

1, customer service telephone application. Credit card holders can directly call the customer service center on the back of the credit card and apply for a temporary quota directly from the customer service. If you meet the application qualification of temporary quota, you will generally be given a quota directly.

2. Mobile banking applications. Download the Pocket Banking APP directly from your mobile phone, and after binding your own credit card, you can APPly for a temporary quota directly in the app, and you will have a quota as soon as you meet the conditions.

3. WeChat official account application. Pay attention to the official account of WeChat and the official WeChat of the bank. You also need to bind a credit card. You can apply for a temporary credit line according to the prompt, which is generally included in the line management.

4. Bank official website application. All banks' credit card business has an entrance in official website, and they can apply directly in official website.

The above is the answer to whether the temporary credit card limit must be returned in full when it expires and the way to apply for the temporary credit card limit. I hope it will help everyone.