The temporary credit card limit has expired. How long will it take to apply again after it is paid back?
when the temporary credit limit has expired, you can apply immediately after repayment.
application for temporary credit line, which requires the cardholder to hold the card for at least three months. The cardholder will call the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.
the temporary credit line is valid for a maximum of 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary limit expires, the used temporary limit (beyond the fixed limit) does not enjoy the convenience of circulating 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.
1. application for temporary credit line. to apply for temporary credit line, the cardholder must hold the card for at least three months, and the cardholder will call the bank's customer service to apply. the bank will make adjustments according to the customer's credit status and card usage. The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration.
2. The credit limit of a permanent credit card requires at least six months. At the same time, the applicant needs to provide sufficient credit certification materials, which will be reviewed by relevant departments. Generally, it takes 3 working days to get the results.
The temporary credit line of China Merchants Credit Card has expired. Do you need to pay it back immediately?
it needs to be returned immediately. The temporary credit line of China Merchants Bank's credit card must be paid off immediately after it expires. The temporary credit line has restrictions on repayment, and the temporarily increased credit line after it expires will be reflected in the minimum repayment amount. When repaying, the temporary credit line will be given priority, and this part cannot be repaid by installments. That is to say, after the temporary line expires, the used temporary line does not enjoy the convenience of revolving credit, and the minimum repayment amount included in the latest bill must be paid off in one lump sum on the due repayment date.
After the temporary credit line of China Merchants Bank expires, you can reapply for it as long as you pay off the temporary credit line you used before. The temporary credit card line of China Merchants Bank is valid for 3 days. After applying for the temporary credit card line, if you don't continue to use it or apply for the temporary credit line at the expiration, the general credit card line will be automatically restored to the original credit line.
The temporary line used by China Merchants Bank's credit card does not support installment repayment. Even if the user chooses the minimum repayment, the used line will be fully included in the minimum repayment amount. If you choose to repay by installment, the used temporary amount will not be included in the installment amount, so this part of the amount always needs to be repaid in full.
Of course, since the temporary credit line cannot be repaid by installments or with minimum repayment, users need to control the consumption credit line and be careful not to exceed their repayment ability.
the temporary credit line of China merchants bank is about to expire. if you want to apply for extension, log in to the palm bank app (version APP(2..) in the iOS15. version of iPhone13, and click "limit adjustment". then, see if there is an option to adjust the temporary credit line in the "temporary credit line". if so, click "adjust the temporary credit line" to apply for additional credit line or extension.
if it is not displayed, you cannot apply for an extension. Of course, customers can also wait until it expires before reapplying. The temporary credit line of China Merchants Bank can be applied at any time when necessary.
the method of applying for temporary credit line of China merchants bank credit card is as follows:
download and log in to China merchants bank app(v.1..) on the iOS15. version of iPhone13, log in on my page, click personal consumption credit card-credit line-temporary credit line to enter the temporary credit line adjustment page, enter the required temporary credit line amount, click send verification code, then enter the verification code obtained by the mobile phone, and finally click submit.
in addition to applying on the app, you can also apply for a temporary quota by calling the service hotline of China Merchants Bank or directly going to the business outlets of China Merchants Bank.
The temporary credit card limit has expired. How long will it take to repay it?
When the temporary credit card limit expires, you can apply immediately after repayment.
application for temporary credit line, which requires the cardholder to hold the card for at least three months. The cardholder will call the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary limit expires, the used temporary limit (beyond the fixed limit) does not enjoy the convenience of circulating 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.
as the name implies, temporary credit line refers to the credit line temporarily adjusted by the bank for credit card holders. Generally speaking, temporary credit line is raised. When the fixed credit limit of your credit card is not enough (for example, decoration, travel, etc.), you can call the credit card center of the issuing bank and ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased for you according to your card use record, and the credit limit will be transferred back to the original fixed limit after the specified time. Generally speaking, if your credit card has a good record and there is no overdue or other illegal use of the card, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled at X times of the fixed limit. In addition, on Christmas, New Year's Day, Spring Festival, 11th and other fixed holidays, the bank credit card center will take the initiative to adjust the temporary credit card limit. Generally, the increased temporary credit limit is X times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota in about one month after the holiday.
Relationship limit: ICBC has more than two credit card users, but it actually has a higher credit card limit. The credit card with lower credit limit is actually using a higher credit card limit. If the credit card with lower credit limit is swiped, not only the credit card with lower credit limit will be deducted, but also the credit card with higher credit limit will be deducted accordingly. Generally, China Industrial and Commercial Bank informs the card amount, but due to the influence of the relationship amount, the actual cardholder can't use the card amount, so the relationship amount. For example, ICBC has two cards for cardholders, one with a quota of 3, yuan and the other with a quota of 1, yuan. After the cardholder spends 3, yuan on the card with a quota of 3, yuan, the card only has a quota of yuan, and the other card with a quota of 1, yuan is also reduced with a quota of 3, yuan, leaving a quota of 7, yuan. This is the so-called relationship limit.
*** credit line: that is, the credit card holder has applied for several credit cards of a bank, and the credit lines of these credit cards are enjoyed by * * *. If the cardholder swipes one of the credit cards to spend money, the credit line of the other * * * credit line will be reduced accordingly. Accounts: China Industrial and Commercial Bank of China has a total credit line for credit card holders. Accounts within the total credit line are set to be associated, and all credit card accounts of credit card holders are called associated accounts. After an account is associated, it is called an associated account, also called a relationship account. The computer will set a certain formula first. After entering certain conditions, the computer program will automatically run out of the borrower's points. As long as it reaches a certain point, it will know the applicable credit limit and interest rate. The results are all fixed and cannot be changed by individuals. Only by improving the borrower's conditions and recalculating the points can the credit limit be increased.
application for temporary credit line, which requires the cardholder to hold the card for at least three months. The cardholder will call the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary limit expires, the used temporary limit (beyond the fixed limit) does not enjoy the convenience of circulating 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.
Do you have to pay off the temporary credit card line when it expires?
The temporary credit card line needs to be paid off in one lump sum, and the temporary credit line also has restrictions on repayment. First, it cannot be repaid according to the minimum repayment amount, nor can it be repaid in installments. Second, it can only be paid off in full after it expires.
the repayment time of the temporary credit card limit is before the final repayment date of the current bill, and it cannot be included in the minimum repayment amount and installment amount. The used temporary credit limit needs to be repaid in full. The temporary credit card limit does not need to be repaid on the current day, and the latest repayment time is before the last repayment date of the current bill. If the cardholder repays on time according to this, it will not be regarded as overdue and will not generate additional overdue interest. : Temporary credit card limit refers to a temporary limit granted by a bank on a fixed limit in order to meet the cardholder's temporary overdraft consumption demand. The amount of temporary limit is determined by the bank's comprehensive cardholder's qualification and credit card demand, generally 2%-3% of the fixed limit. The validity period of the temporary line is between 3 days and 45 days, and the temporary line cannot enjoy revolving credit, so it is different from the fixed line in repayment.
3. The temporary credit limit of credit card does not enjoy revolving credit. The temporary credit limit that actually exceeds the original credit limit will be fully included in the current credit card bill, which can neither be included in the minimum repayment amount nor be phased. In a word, the temporary credit card limit must be paid off in full when it expires.
generally speaking, the temporary credit limit of a credit card is usually one month. The amount of increase is generally 2% to 5% of the existing amount. However, different banks have different specific regulations. It is worth noting that if the bank has taken the initiative to increase the cardholder's permanent quota in the near future, the bank will not temporarily increase the quota again.
repayment method of temporary credit card limit:
Bank staff said that customers can bind the credit card and debit card of the same bank, and when the repayment date comes, the bank will automatically deduct the amount due for the current month from the customer's debit card.
In addition, most third-party payment platforms such as Alipay, Tenpay and Kuaiqian can also repay credit cards. Although every billing day can receive the repayment message from the bank, due to the busy daily work, some people always forget to repay on time. In this case, banks provide cardholders with "tolerance time service" with a certain limit and grace repayment period. Consumers can call the credit card customer service phone and apply to the customer service staff for extending the repayment period. It's just that the cardholder needs to pay attention to the bank's arrival time and leave enough time for the funds to arrive.
validity period of temporary credit card limit
The validity period of temporary credit card limit is different from bank to bank. You'd better ask clearly when applying for temporary credit limit, and there may be differences between different cards, which we need to pay attention to. The validity period of the temporary quota of the four major banks: ICBC credit card: the validity period of the temporary quota is 6 days, and there is no limit on whether it can be withdrawn after the expiration, depending on the audit results of ICBC. Agricultural Bank Credit Card: The temporary quota is valid for 6 days, and it takes 3 months to apply again after the expiration. China Bank Credit Card: The temporary limit is valid for 6 days, and you can continue to apply after the expiration. Credit card of China Construction Bank: The use period of temporary credit line is relatively long, which can reach 9 days, subject to the bank's audit.
validity period of other bank lines
China merchants bank credit card: the temporary line is valid for 3 days, and the general temporary line is high, and the fixed line of 6, can be given a temporary line of 15,.
bank of communications credit card: the temporary credit line is valid for 6 days, and the withdrawal range is relatively high, which can reach 6% of the credit line.
credit card of guangfa bank: the validity period of the temporary credit line varies from person to person, ranging from 2 to 5 days.
industrial bank credit card: the temporary limit is valid for 3 days, just like most bank credit cards.
what should I do if the temporary credit limit expires?
if the temporary credit card limit is not reached, it will be regarded as overdue. The issuing bank will charge interest on the credit card from the due repayment date or the next day, usually at .5 ‰ of the daily interest, and charge a late fee, which is 3% of the outstanding amount. In addition, it may also affect personal credit records, resulting in bad credit records, which is not conducive to applying for mortgages and other loans in the future. Therefore, when the temporary credit card limit expires, we should try our best to pay it back, and we must pay it off in one lump sum on the due repayment date. \ \ Application method for extending temporary credit line:. Telephone application: The cardholder can call the customer service hotline of the issuing bank to apply for increasing the temporary credit line, and the issuing bank will review it according to the cardholder's credit record and card usage to meet the cardholder's consumption demand as much as possible. Personal online banking application: Cardholders can also log on to the credit card online banking of the issuing bank and apply for adjusting the temporary credit card limit. Wechat application: Many banks have opened the official WeChat platform for credit cards to provide credit card withdrawal services, and cardholders can apply to increase the temporary credit card limit through WeChat. \ Under normal circumstances, as long as the cardholder has no overdue repayment and has a good habit of using the card, the application for temporary limit increase will be approved.
that's enough for the introduction of credit card limit expiration.