The total amount of the credit card is the sum of the actual amount and the temporary amount, in which the actual amount of the credit card is the fixed overdraft limit granted to you by the bank according to your credit status and repayment ability, and generally it will not change easily. The temporary credit card limit is a temporary increase in the bank's credit card limit within a certain period of time according to your consumption demand and card usage. Generally, the validity period is 1-3 months.

Using a temporary quota can increase your spending power, and it is also beneficial to increase the fixed quota. However, there are some considerations when using temporary restrictions, such as:

1. The temporary line cannot be withdrawn in cash or by installments, and it needs to be paid off in full before the repayment date.

2. Temporary limit is included in the minimum repayment amount. If you don't pay off on time, your credit history may be affected.

3. There is a limit on the number of temporary quotas, and different banks have different regulations. Generally, you can only apply once a month or three months.