In the process of using credit cards, if we have good habits, we will receive information about temporary withdrawals from banks. I suggest that you don't choose to increase the temporary limit, because the temporary limit will have a certain period of time, which will also affect your comprehensive credit limit. Banks will feel that users who use temporary quotas have systemic risks, so they will not increase your fixed quota.

First, the credit card income limit does not affect personal credit.

I think you may have a misunderstanding about personal credit reporting, or you don't understand the basic concept of personal credit reporting. Only when your credit card is overdue will your personal credit information be seriously affected. Strictly speaking, a person's personal credit report will show his credit usage records, and every record of you will be reflected in the personal center. When you increase the temporary limit, your personal credit information will not change.

Second, the temporary limit will affect your credit limit.

This logic may be a bit anti-human. Since the bank has opened a temporary credit line to users, why will it affect the credit line? You can try to understand that the bank's temporary quota is a test for users. If the user uses a temporary credit line, it means that the user may need money in a short time and the cash flow situation is not very good, so the bank will take this factor into the user's personal credit judgment.

I don't recommend you to use temporary credit line.

It is precisely because the temporary credit line will affect a person's comprehensive credit line and also affect a person's fixed credit line. I don't recommend that users actively choose to increase the temporary credit card limit unless it is necessary. After all, temporary restrictions are only that long. If you really want to increase the credit limit, you need to further cultivate your card habit, and then increase the fixed credit limit. When your credit card habits are getting better and better, you will find it very easy to increase the limit.