The temporary credit card limit needs to be paid off in full before the credit card repayment date, and cannot be repaid in installments. If it is overdue, it will also affect personal credit information, resulting in users being unable to use services such as bank loans. There are many ways to repay the temporary credit card limit. Users can make repayment through bank counters, online banking, ATM machines, Alipay, WeChat payment and other channels.

Different banks have different requirements for the application of temporary credit line. For example, to apply for a temporary credit line of CCB, it needs to be one month apart from the last application. The temporary credit line has a validity period and will automatically return to the original credit line after the validity period. The temporary credit line of CCB is valid for three months.

ICBC's application for temporary credit line requires users to open the card for more than half a year, and the monthly credit line is close to the total credit line, with no overdue repayment. ICBC credit card temporary withdrawal is valid for 60 days at the longest, and will be automatically reduced to the original limit after the expiration of the validity period.

CITIC Bank can apply to the bank for temporary cancellation of the credit card after 3 months. Users can apply through the customer service phone of CITIC Bank, and the bank will allocate the credit line according to the applicant's credit situation and repayment ability. Bank of Communications credit card temporary withdrawal is valid for 2 to 3 months. The temporary credit line cannot be recovered, and it will automatically return to the original credit line after it expires. The amount of temporary credit line depends on the judgment of the Bank of Communications system.

The temporary credit line of Guangfa Bank is valid for 25 days to 90 days, and the amount that users can increase is 65438+ 00% to 50% of the original credit line. The final credit line needs to be judged by the bank according to the applicant's credit status and repayment ability.

The temporary credit line of Industrial Bank is valid for 1 to 3 months. The application for temporary credit line requires the user to hold the credit card for more than 6 months, and the next temporary withdrawal application can only be made after the application for temporary withdrawal is completed for 3 months.

The promotion of ABC's temporary credit line requires cardholders to have no bad credit record, monthly consumption record and the consumption amount is above 30% of the total credit line. The credit card of Agricultural Bank is valid for 25 to 90 days.

: Precautions for credit card use:

1. Use installment carefully.

Paying so much for an expensive thing at once will definitely hurt you, but when they tell you, "honey, we can pay by installments!" " "You will be happy to take it home. Because when a broken plan is put into your daily expenses, you won't feel so boring and feel that you are a good deal. In fact, except that your money may only be a little more than your full amount, many people will think it is nothing and can afford it. However, when you start to repay this part of the money in installments, your heart will change over time. The first few repayments will still make you feel boring, and you feel a little unaccustomed to using this money. You always feel that part of it has been pulled out. In the next few days, you will begin to forget this quantity and feel that you can do without it. So ... It's hard to keep this money in your wallet for a long time. After you pay back this part of the money, you will continue to find ways to spend it. " It seems that I can buy something else, and the amount of this issue is still affordable. "Well, the purpose of the businessman has been achieved.

2. Full repayment

When the repayment period comes, you will feel that you can only repay part of it, and there will be no credit deduction anyway, just a little interest. Oh, honey, I'm sure they'd be happy for you to continue like this. A year later, you will feel that half your salary has been contributed to the bank.

3. Develop a good habit of keeping accounts

Many people spend by credit card, but they always feel that they still have a lot of money in their hands and don't spend it. Then when they spend money, they will feel as if they have twice as much money. Just swipe your card first. Anyway, it won't be returned until next month. They have so much money in their hands that they can buy something else. In order to prevent you from overspending, you need a clear financial management system to help you see where all your money has gone.

4 don't support each other with multiple cards.

Do you think you are really smart? You can borrow different repayment dates to drill loopholes and use overdrafts from other banks to repay the loopholes in your bank. You know, son, this kind of thing only happens occasionally. If you use this as a way to try to raise a card, the commonality of information will make you unable to borrow money from other bank cards soon, making it difficult for you to repay your loopholes, and then you will try to borrow money everywhere and eventually fall into a desperate situation of tight money.

5. Keep the application form

Keep the receipt of your successful credit card application, and then leave your number on the back of the credit card. Then get a credit card, you don't need to enter a password, just sign it. When your card is lost, if you swipe it with a password, you are fully responsible, and if you don't need to enter a password but just sign it, the bank is fully responsible. Of course, it is best to protect your card.

How to repay the temporary credit card limit when it expires? Sincerity, repayment strategy

Credit card repayment is directly related to the cardholder's credit information. If the repayment is not timely, there will be stains on the credit report, which will have a negative impact on the cardholder's credit behavior in the future. In order to maintain a good credit record, let's introduce how to repay the temporary credit card limit when it expires.

First of all, when the temporary credit card limit expires, it needs to be paid off in full. The temporary limit cannot be repaid in installments, nor can it be included in the minimum repayment amount. The temporary credit card limit has not expired, which will affect personal credit, and will also generate overdue interest and liquidated damages.

Then, there are many repayment channels for the temporary credit card line, which can be repaid through normal repayment channels. Commonly used repayment channels are: online banking, mobile banking APP, WeChat, Alipay, bank counters, ATM machines, etc.

Reminder: If you pay by credit card through third-party channels such as WeChat and Alipay, you must pay back 2-3 days in advance, because the credit card repayment time of different banks is inconsistent, and it will be very troublesome if the credit information is affected because of the delay in repayment.

How to pay back the temporary credit card limit? Not yet, the consequences are so serious that you can't imagine!

The temporary credit card limit is a part of the limit given to the cardholder by the bank. If the large consumption limit is not enough, the cardholder can apply to the bank to increase the temporary limit. Temporary line is convenient to use, but repayment is much more troublesome than fixed credit card line. Let's introduce the temporary line repayment first, and let's take a look.

Before we get to the point, let's know the repayment time of the temporary line.

Friends who have used the temporary credit line know that the temporary credit line is valid for 30 to 40 days and cannot be recycled. When due, it must be repaid.

For example, your billing date is 23rd, and the repayment date is 10. The temporary credit line applied on August 24th may expire on September 24th, and you must repay the temporary credit line on June 24th.

So, how to repay the temporary quota?

There are two repayment methods: temporary repayment and fixed repayment. There are two kinds of fixed repayment: minimum repayment and full repayment, which can be repaid in installments, but temporary repayment is not allowed.

The temporary limit will be invalid if it exceeds the time limit, and your credit card limit will be automatically restored to the original limit. Moreover, the temporary line used does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the first installment bill, which must be paid off in one lump sum on the due repayment date, not the minimum repayment amount or installment repayment amount.

For example, if you apply for a temporary line of 2000 yuan, the bill will be issued on the 23rd, and the final repayment date is 10. The current bill amount of your credit card is 5000 yuan, including the temporary limit of 2000 yuan. You can divide 3000 yuan into installments minus the temporary quota, but you can't divide 5000 yuan into full installments.

Some people here will ask what to do if the temporary quota hasn't arrived yet.

If your temporary limit has not yet arrived and the repayment amount is lower than the minimum repayment amount of the current bill, the credit card will be overdue and the consequences will be more serious:

1, affecting personal credit: future banking services such as loans and credit cards are blocked;

2. liquidated damages: generally, the proportion of liquidated damages charged by major banks is 5% of the unpaid minimum repayment amount;

3. Interest: the interest is 0.5 ‰, but it will be charged according to the total amount owed from the bookkeeping date, with daily interest and compound interest every month.

4. Affect your work and life: Bad credit is caused by overdue, which shows that you are a person who has broken your promise. In the credit society, dishonesty may be rejected in job hunting, and even immediate family members will be affected. For example, some schools learn to check the credit of parents, even if the credit is not good, they will not be admitted.

In short, it is more troublesome to repay the loan with the temporary line, so I suggest that you must think carefully before applying for the temporary line. Don't use temporary lines easily unless necessary. If it is not good enough, it will easily affect your personal credit information.

That's all about how to repay the temporary credit card limit.