1. Use temporary credit line: There are two types of credit cards: fixed credit line and temporary credit line, and the temporary credit line cannot be used until the fixed credit line is used up. Therefore, if the fixed credit line is used up before the temporary credit line is used up, the credit card debt is undoubtedly higher than the credit line;

2. Use the over-limit line: Many banks automatically open the over-limit line, which is generally 10%. Generally, it can only be used by credit card, and the repayment amount is the used fixed amount plus the overrun line.