Is the temporary credit line of CCB valid?
Generally, the temporary credit line of CCB is valid for 9 days at the longest. After the use period, the temporary credit line will become invalid.
There are two points to note:
1. The use of the temporary credit line will be recorded in the next minimum repayment amount, which needs to be paid off in one lump sum, otherwise, late fees and interest will be generated. If the credit card exceeds the limit, an overrun fee will be paid, which is generally about 5% of the excess.
2. You can apply for the temporary quota again when it expires, but only if you have paid back the temporary quota of the previous period first, or have already started to pay it back, so that you can successfully apply again.
how long is the temporary credit line of CCB valid
The temporary credit line of CCB is valid for 9 days at the longest, that is, 3 months.
once the validity period expires, the temporary credit line will automatically become invalid, and the credit line of the card will be restored to what it was before applying for the temporary credit line.
China Construction Bank is one of the four major banks. It has many customers, many of whom have credit cards of China Construction Bank. As for the use of credit cards, people can withdraw the amount in the process of using them, such as applying for a temporary quota.
When the temporary limit applied for our CCB credit card expires, we should be careful not to overdraw when using the card, or we will charge an overrun fee. After the temporary limit expires, you need to repay it in the next bill. The repayment must be paid in full, not in installments, and there is no minimum repayment.
methods to increase the temporary credit limit of CCB's credit card:
1. If our existing credit limit is insufficient, we can apply to CCB for a temporary increase in the credit limit in advance, and CCB will make appropriate adjustments for us according to our credit status and card usage. If we need to temporarily increase the credit limit, we can call the 24-hour service hotline and provide relevant materials as required.
2. The temporary credit line is valid for up to 3 months, and our credit line will be automatically restored to the original one after expiration. The credit limit of the supplementary card holder is set by the main card holder. If it is necessary to adjust the temporary credit limit of the supplementary card, the main card holder must apply.
to sum up, the term of the temporary credit line of CCB credit cards generally ranges from 25 days to 9 days at the longest, and the temporary credit line can be increased by 1%-5%. The bill when the temporary credit line expires will list the relevant matters of the temporary credit line in detail, and we can repay it according to the amount shown in the bill.
Pay attention to the "over-limit fee" for repayment of temporary line. When using the temporary limit, you should also pay attention to the use within the validity period, otherwise you may be charged an "overrun fee". After the temporary limit expires, the credit card will automatically revert to the original credit limit. If you still use your credit card according to the temporary limit at this time, you will be charged the over-limit fee. For this fee, there is no uniform standard for banks, but it is calculated according to the overdraft limit, which may reach several hundred yuan at most.
Temporary credit line of CCB
The ways to apply for temporary credit line adjustment of CCB are as follows:
1. Mobile banking: use CCB mobile banking and apply through "Credit card-card service-my application-line adjustment";
2. use the reserved bank's mobile phone number to edit the short message "the last four digits of CCTE# # the amount to be adjusted #1" and send it to 95533 for processing.
Reminder: CCB has never sent a short message on line adjustment with a website link. Please don't click on the link, and don't disclose the credit card information and verification code. Beware.
(in case of business changes, please take the actual situation as the standard. )
What does the temporary credit line of CCB mean?
the temporary quota is relative to the permanent quota, that is, the quota that can be used in a certain period of time. Usually, the temporary quota of CCB is up to 3 months. For example, suppose that the credit card has a permanent limit of 1, yuan and a temporary limit of 15, yuan, and the validity period is from January 1, 15 to March 31, 15. Then, before 15/1/1, the credit card can use up to 1, yuan, and during the period from 15/1/1 to 15/3/31, the credit card can use up to 15, yuan. After 15/3/31, the credit card has resumed its original fixed limit, that is, it can use up to 1, yuan.
The methods of self-service application for temporary line are as follows:
First, telephone self-service voice
Second, online banking-credit card-credit card line adjustment (after following the prompts, if the landlord has the online banking shield, then insert the online banking shield to verify the application for line adjustment; If not, the bank will send a SMS verification code to your mobile phone reserved in his home system for verification.)
Third, SMS adjustment. The landlord uses the mobile phone number reserved in his home system to edit the SMS "the last four digits of CCTE# need to be adjusted" to 95533.
how to increase the temporary limit of CCB credit card
CCB credit card can increase the temporary limit in the following ways:
1. Call the customer service number of CCB 95533 and apply for increasing the temporary limit through manual customer service.
2. Bring your ID card and credit card, go to the business outlets of China Construction Bank, and apply for an increase in the temporary quota through the counter.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate). On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Let's stop here for the introduction of the temporary credit line of CCB.