CCB automatically raises the temporary credit card limit, which shows that you have been paying back on time and your credit is good. For customers with good credit card records, CCB will increase the temporary or permanent quota. But generally speaking, CCB will send text messages first. If you agree to the adjustment, reply to the text message as required.
Second, temporary quotas.
Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased.
Generally speaking, if the credit card has a good record and there is no overdue or other illegal use of the card, the credit limit can be temporarily increased, and the extent of increasing the temporary credit limit is generally controlled at several 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, which is generally n times the fixed limit of cardholders' holiday consumption. The quota will be restored to the original fixed quota about one month after the holiday.
Third, credit cards.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).