If you have applied for a fixed limit on your Everbright Bank credit card, how long will it take before you can withdraw a temporary limit?

A fixed limit is withdrawn every six months. After applying for a fixed limit, you can withdraw a temporary limit within 3 months. After successfully applying for a temporary quota, you can apply for another temporary quota after another month.

Therefore: If you withdraw the fixed limit first, you have to wait 3 months before you can withdraw the temporary limit. If you withdraw the temporary limit first, you can withdraw the fixed limit immediately. Of course, the premise must meet the conditions for raising the limit of Everbright Bank Credit Card ( (If it can be withdrawn)

The credit limit of Everbright Credit Card is divided into temporary limit and fixed limit:

1. Application for temporary credit limit. To apply for temporary credit limit, you need to have held the card for at least three months. , the cardholder calls the bank customer service to apply, and the bank will make adjustments based on the customer's credit status and card usage.

The temporary credit limit is valid for up to 3 months. After expiration, the credit limit will be automatically restored to the original limit. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the revolving credit facility and will be included in the minimum payment amount of the latest bill and must be paid off in one lump sum on the due payment date.

2. The credit limit of a fixed credit card must be held for at least six months. At the same time, applicants are required to provide relatively sufficient credit certification materials, which will be reviewed by relevant departments. It usually takes 3 working days for the results to be available.

Extended information:

Everbright Bank credit card application conditions

1. All Chinese citizens with full capacity for civil conduct, legal and stable income, and good credit Foreigners and compatriots from Hong Kong, Macao and Taiwan who permanently reside in China can apply for a personal credit card master card from the card issuer with their valid documents. Note: To apply for a card, you need to attach a work certificate, and other conditions include social security, good companies such as government agencies, vehicles, houses, etc. You can contact the specific phone number

2. Main Card Holder The primary cardholder and the secondary cardholder use the same credit limit; the primary cardholder can set the usage limit of the secondary card within the credit limit; all transaction amounts and corresponding interest and fees of the secondary card will be credited to the primary card Account, the main cardholder shall be fully responsible for repaying the debts incurred under the main card and supplementary card.

3. Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic account at a financial institution in China, with independent legal person status, can open an account with the certificate issued by the People's Bank of China. Please submit license and other information to the card issuer to apply for a unit card.

If you apply for a corporate card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and its cardholder qualifications shall be designated or revoked in writing by the legal representative of the applicant unit or its authorized agent. The applicant unit shall bear all debts incurred by the unit card.

4. When applying for a credit card, the applicant should fill in the application form and the authentic materials required by the card issuer correctly, completely and truthfully according to the requirements of the card issuer, and sign a contract with the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit.

5. The methods of guarantee provided by credit card applicants include guarantee, mortgage and pledge. The scope of the guarantee covers all outstanding debts incurred under the cardholder's credit card, and a corresponding guarantee contract should be signed for the guarantee.

6. Everbright Bank credit card issuer provides cardholders with inquiry passwords and transaction passwords through designated channels.

7. After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when making transactions, otherwise, it will result in The cardholder is responsible for any losses.

Reference material: Baidu Encyclopedia - China Everbright Bank Credit Card

Can China Everbright Bank Credit Card apply for temporary limit adjustment?

To apply for a temporary limit adjustment from China Everbright Bank, you must meet the following conditions:

1. You can apply for a temporary limit adjustment after every three consecutive bill payments using the card;

2. You can apply for a permanent limit adjustment after every 6 periods of normal card consumption.

3. If it meets the card usage period, you can call 95595-0 to apply. The Everbright Bank system will comprehensively determine whether adjustments can be made based on your card usage and repayment status.

Relevant knowledge:

Temporary credit limit, as the name suggests, is a temporary increase in the total credit limit that the bank temporarily increases based on the permanent credit limit in order to meet the temporary needs of customers. According to bank regulations, a temporary credit limit increase is generally 20% based on the permanent credit limit and has a certain validity period.

How to adjust the temporary limit of Everbright Credit Card (credit card)

The limit of Everbright Credit Card (credit card) can be divided into temporary limit and fixed limit. It is easier to adjust the temporary limit than the fixed limit. As long as the cardholder uses the card well, they can apply through the following channels:

1. Customer service phone

Cardholders directly call the Everbright Credit Card (credit card) customer service phone number 400 -788-8888, you can apply to adjust the temporary limit;

2. Online banking

Log in to the Everbright Credit Card (Credit Card) Center and enter the "Card Limit Management Service", you can apply to adjust the temporary limit Quota;

3. Sunshine Hui Life APP

Log in to Sunshine Hui Life APP and click "Limit Management" in the credit card (debit card) service column on the card life page to apply for adjustment Temporary quota.

How to apply for the temporary limit of Everbright Credit Card

The temporary limit of Everbright Credit Card can be applied for through the personal account interface of Everbright Bank Mobile Banking. Or after logging into China Everbright Bank’s personal online banking and entering the “Credit Card” interface, you can apply for a temporary limit in the “Card Management” section. You can also call Everbright Bank’s customer service hotline at 95595 or 400-788-8888 and follow the voice prompts to apply for a temporary quota.

How to apply for a temporary limit for Everbright Credit Card

1. When the credit card limit is not enough, you can directly log in to the Everbright Bank mobile client on your mobile phone and use Everbright Bank Mobile Banking. You can apply to increase the temporary limit in the personal account interface.

2. You can also log in to the official website of China Everbright Bank. After logging into China Everbright Bank’s personal online banking, enter the “Credit Card” interface, and then go to the “Card Management” section to apply for a temporary limit increase.

3. Call China Everbright Bank’s customer service hotline at 95595 or 400-788-8888 and follow the voice prompts to apply for a temporary limit increase. You can also be transferred to manual service and apply to customer service staff for a temporary limit increase.

It should be noted that the temporary credit limit of Everbright Bank is only valid for 45 days. If it expires, you need to apply again and repay in full according to the bill. You cannot repay the minimum repayment amount, and you cannot repay in installments. In addition to the prepayment itself, the repayment amount will also have interest.

That’s it for the introduction to the temporary limit of Everbright Credit Card.