Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
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The credit limit of ICBC credit card is divided into temporary limit and fixed limit. When increasing the credit limit, the cardholder can choose to increase the temporary limit or the fixed limit. ICBC's credit card application requirements are as follows:
The application for temporary increase in the quota needs to be issued and used for more than three months. You can apply in the following three ways.
1. Apply online to increase the temporary limit and log in to online banking;
2. Telephone banking applies for increasing the temporary quota, and the customer service hotline is 95588;
3. Apply for increasing the temporary quota at the bank counter, and any ICBC outlet can do it.
The application for upgrade quota must be issued and used for more than half a year. The application method is the same as applying for temporary quota, but the following application conditions must be met.
1. card has been opened for more than half a year and is often used;
2. The monthly credit card amount approaches or exceeds the credit card amount;
3. Use a credit card and try to make a one-time repayment;
4. No bad records such as overdue.
Temporary credit line, as its name implies, is the total credit line temporarily increased by banks to meet the temporary needs of customers on the basis of permanent credit line.
According to the regulations of the bank, the general temporary credit line is 20% higher than the permanent credit line, and it has a certain validity period.
Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.
The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
References:
Temporary credit line Baidu Encyclopedia
Credit card Baidu encyclopedia