How to apply for a temporary credit card limit?

1. What is the temporary limit of a credit card?

For cardholders with large consumption needs, they will generally apply to increase the temporary limit of their credit cards, but it should be noted that cardholders The temporary credit line obtained has an "validity period". After expiration, the cardholder's credit card credit limit will be automatically restored to the original limit.

2. Validity period of credit card temporary limit

Different banks have different regulations on the validity period of credit card temporary limit. For example, the temporary quota usage period of China Merchants Bank is generally 30 days, China Everbright Bank is generally 45 days, the maximum usage period of Industrial Bank is 1 month, and the maximum usage period of China Construction Bank is 3 months.

3. How to apply for a temporary credit card limit

How to apply for a temporary credit card limit? Let’s take China Merchants Bank as an example to talk about how to apply for a temporary credit card limit:

Introducing you to use the “China Merchants Bank Credit Card Official WeChat” to apply for a temporary limit anytime and anywhere. You can also log in to credit card online banking and click "Account Management" → "Account Limit Management" → "Temporary Limit Adjustment". Or log in to Mobile Life and immediately apply to increase the temporary limit. You can also apply by voice call. After calling the credit card service hotline to verify your identity, press 2 to enter "Limit Inquiry and Adjustment", and then press 3 to enter "Limit Adjustment Application".

How to apply for a temporary credit card limit? There are mainly 4 ways!

The credit card limit is divided into two parts: temporary limit and fixed limit. As the name suggests, the fixed limit is the inherent limit of the credit card, while the temporary limit has a validity period. Generally, the credit card limits we talk about are fixed limits. Have you ever applied for a temporary credit card limit? Many friends don’t know how to apply for a temporary limit on a credit card. Today I will introduce 4 methods to you.

1. Customer service phone application

Credit card holders can directly call the customer service center number on the back of the credit card and apply for a temporary limit directly with customer service. If you meet the application qualifications for a temporary quota, the quota will generally be given to you directly.

2. Mobile banking application

Download the mobile banking APP directly on your mobile phone. After binding your credit card, you can apply for a temporary quota directly in the APP. If you meet the qualifications, you can get the quota immediately.

3. WeChat public account application

Follow the bank’s official WeChat public account, and also need to bind a credit card. Follow the prompts to apply for a temporary credit limit, which is usually available in the limit management. .

4. Application on the official website of the bank

The credit card business of each bank has an entrance on the official website, and you can apply directly on the official website. If you have any questions, you can also ask online customer service, which is convenient and simple.

The above is the way to apply for a temporary credit card limit. It should be noted that the temporary credit card limit needs to be paid off in one go. After the temporary limit expires, the limit will be restored! Friends in need can try these 4 methods!

How to apply for a temporary limit on a credit card

Application at a bank outlet: To apply for a temporary limit on a credit card, if it is processed through the counter of a bank outlet, the cardholder can provide additional asset certification materials, which will facilitate the application. A higher temporary limit.

Online banking application: Directly log in to the official website of the credit card center of the card issuer, and you will be provided with a temporary limit application, just click submit. Generally, the temporary limit applied through online banking is 10% of the credit limit.

Customer service phone application: Because the threshold for applying for a temporary credit card credit limit is relatively low, you can directly call the customer service number of the card issuer, verify your identity, and apply for a temporary limit to the customer service. This method is more convenient and faster, and is highly praised by card friends.

WeChat public account application: Follow the card issuer's WeChat public account and bind your credit card to it, and then you can apply for a temporary credit card limit through the menu bar.

Mobile banking APP application: Log in to the card-issuing bank’s mobile banking APP and apply through the temporary limit application window. Some banks will directly display the maximum limit that can be increased. Cardholders can also apply on their own. Determine the specific increase amount within the application amount range.

That’s it for the introduction of how to apply for a temporary limit with a credit card.