1. Application conditions for temporary credit line of Minsheng Bank
1. After normal use of the credit card for half a year;
2. The second increase of temporary credit line must be one month after the first increase of temporary credit line;
3. Maintain a good credit record with Minsheng Bank and other banks, with no bad records such as overdue, and do not engage in illegal transactions such as cashing.
2. How to apply for the temporary credit line of Minsheng Bank
1. Customer service application
The main card customer can call the customer service hotline of Minsheng Bank at 46695568 and apply for the temporary credit line adjustment with a maximum validity of 15 days manually. The bank will make a comprehensive score according to the account situation at that time and inform you of the application result. If you have a platinum wealth management card/Tongbao installment card/new E-loan account with normal status under your name, you can apply for temporary adjustment of the amount, while other accounts will not accept your initiative to apply for temporary adjustment, and Minsheng Bank will adjust the batch amount for you from time to time.
2. outlet application
You can go to the local Minsheng Bank outlet and ask the bank staff to help you apply.
It should be noted that you can only apply for a temporary credit line after you have used the card for three months and have a good repayment record. The temporary quota of Minsheng Bank is valid for a certain period of time, and it will be automatically restored to the original quota after the deadline. After the temporary limit expires, the used temporary limit (beyond the fixed limit) does not enjoy the convenience of circulating credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date. Almost all banks consider such things as frequent use, timely repayment, bad records, diversified consumption types, cash withdrawal, etc.
3. Online banking applications can generally be raised by about 1% on the original basis, but relatively few people apply in this way at present. To apply to the credit card department of the bank, the cardholder needs to provide relevant information such as asset certificates, and the specific amount that can be applied for is not fixed.
3. Precautions for the temporary credit line of Minsheng Bank
1. Generally, it takes at least 3 months to apply for the temporary credit line of Minsheng Credit Card for the first time. The meaning of 3 months does not mean that you have opened the card for more than 3 months, but that you have accumulated bills for more than 3 months, that is to say, you have used a credit card to spend money.
2. The temporary credit card limit is valid for use, ranging from 25 days to 9 days. There are different types of cards, and the term is not used. During the use period, you can't apply for a second temporary quota. If you want to apply for a second time, it is best to return the first temporary quota.
3. There is no time limit for adjusting the temporary credit line of Minsheng Bank. You can apply at any time. Because banks need 1-2 working days to review the application (in some special cases, the application will take effect), so if you are in urgent need, you can apply a few days in advance.
The above is what I introduced to you about "What are the application conditions for the temporary credit line of China Merchants Bank?" I hope this article I compiled will be useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!
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