You didn't apply for the temporary line, which proves that your comprehensive evaluation can't meet the requirements of the bank. For most banks, users need to maintain a good credit record for at least half a year and repay on time every month, especially if the monthly credit card spending needs to reach a higher limit, before they are eligible to adjust the temporary limit.

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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.

Generally speaking, the credit limit is comprehensively evaluated according to the information filled in by the individual when applying for a credit card and the relevant supporting documents provided, and the main card and the auxiliary card share the same credit limit. When the cardholder needs to use a higher credit line in a certain period of time because of traveling abroad, decorating a new house, getting married, and children studying abroad. Banks can provide services to increase temporary credit lines.

Increasing the temporary credit line allows cardholders to enjoy the convenience of spending during the peak consumption period, but the temporary credit line does not enjoy revolving credit. The actual credit limit of the credit card exceeding the original credit limit will be included in the minimum repayment amount of the current statement, which needs to be paid off in one lump sum before the due repayment date.