The temporarily increased credit line in a credit card does not necessarily enjoy the interest-free treatment of ordinary credit line. Due to the different regulations of various banks, some banks do not enjoy the interest-free period when raising the quota. From the date when the cardholder uses the temporary line, the credit card interest will be calculated at the rate of 0.5 ‰ per day until the temporary line is paid off. Some banks will negotiate with cardholders in detail, and the interest-free period can be set to 7 days, 10 days and 15 days according to the situation. If the over-limit part is not paid off before the final repayment date, the bank will not only charge interest, but also charge a 5% over-limit fee for the over-limit part.