If it is used in excess, the excess part needs to be paid in one lump sum in the next period, and cannot be paid in installments. As long as the repayment is made on time, it will not affect your credit history or anything else, and of course it is not recommended to exceed the limit frequently. If the quota is not enough, you can call the banking service hotline to apply for increasing the temporary quota or fixed quota.
At present, many banks' credit cards provide the function of temporarily adjusting the credit limit, which provides a lot of convenience for large-scale consumption, especially short-term concentrated consumption such as festivals and tourism. In addition to using SMS to apply, you can also call the bank's credit card customer service phone, log in to online banking, and even complete the withdrawal application through WeChat.
Extended data
If the card meets the following criteria and has no bad credit record, ICBC can automatically upgrade the credit limit:
1. If the accumulated consumption is above 500 yuan (inclusive) for not less than 3 months after opening the account, the credit line can be adjusted to 500 yuan.
2. The credit line can be adjusted to 1000 yuan after reaching the level of credit line in 500 yuan and spending more than 500 yuan (inclusive) for at least 3 months.
3. It has reached the credit line level of 65,438+0,000 yuan and accumulated consumption is above 500 yuan (inclusive), and the credit line can be adjusted to 2,000 yuan after at least 3 months.
If the local card issuer has special regulations, this service is not applicable.
You can call the customer service hotline of ICBC, select 2 Manual Service -2 Credit Card Service, and propose credit line adjustment. The adjusted credit line is not higher than 2000 yuan.
The characteristics of ICBC credit cards are as follows:
1. Spend first and then repay, and enjoy the interest-free repayment period.
Peony credit card does not need to deposit the reserve fund, and the cardholder can spend first and then repay within the credit limit given by the bank. And there is an interest-free repayment period. Cardholders can enjoy an interest-free repayment period of at least 25 days and at most 56 days from the date of consumption (except cash withdrawal and transfer).
2. Enjoy the preferential service of the national special merchant network.
Cardholders can enjoy the convenient and thoughtful service of special merchants when they join the ICBC Peony Card National Special Merchants Network for air ticket reservation, hotel accommodation and catering, car rental service and car rescue, and the price is relatively favorable.
3. Sufficient credit consumption and credit line.
After confirming that the cardholder meets the application conditions, the card issuer shall, according to the cardholder's personal credit status, verify the credit line suitable for the cardholder's consumption demand, with the maximum not exceeding RMB 50,000. The credit limit increases with the improvement of the cardholder's credit status.
4. Easy to consume and be polite.
Cardholders can not only easily swipe their cards to complete consumption, but also get corresponding points according to accumulated consumption. When the points reach a certain score, you can enjoy different kinds of value-added services and consumption rewards, such as points for mileage, points for grand prizes and so on.
5. Flexible repayment methods
Any ICBC outlet can repay the loan and receive it on the day of repayment in this city; You can also transfer funds from other personal accounts to Peony Card account through ICBC's telephone banking system.
6. All-weather service, carefree.
Telephone banking and online banking services have been opened, and cardholders can call the customer service hotline for consultation or account inquiry 24 hours a day. If you lose your Peony RMB credit card, no matter where you are, you can stop paying urgently through the customer service hotline.
Baidu Encyclopedia-ICBC Credit Card
China Industrial and Commercial Bank-Credit Card Limit Inquiry/Adjustment Method