2. You can call the service hotline 955 1 1 and enter your personal information according to the voice prompt to apply for temporary quota adjustment.

3. According to the regulations of the central bank, banks can control the maximum amount of credit card spending at 1 10% of the original amount. For example, the cardholder's credit limit is 20,000 yuan, so his credit card can spend up to 22,000 yuan. If the credit limit exceeds 2000 yuan, the bank will charge a certain percentage of the overrun fee.

The so-called over-limit fee means that in a billing cycle, when the credit limit accumulated by the cardholder exceeds the credit limit approved by the card on the billing date, the cardholder must pay the over-limit fee according to a certain proportion.

Banks have different ways to deal with cardholders' overdrafts. Some banks support over-limit credit card swiping, while others can only be completed by increasing the temporary quota.

5. It should be noted that the temporary increase of the limit is one of the main reasons leading to the over-limit fee. Therefore, in order to avoid the recurrence of the over-limit fee, the cardholder must pay off the debt within the adjustment period, otherwise, it will not only effectively and reasonably avoid the over-limit fee, but also generate an additional fee.