Generally between 1-3 months. For example, the temporary credit line of China Construction Bank is usually valid for 30 days, and the longest is no more than 50 days; The temporary credit line of China Merchants Bank is valid for about 30 days. After the temporary limit expires, the cardholder needs to pay off the arrears before applying for the temporary limit again.

Temporary credit card limit:

There are two kinds of credit card limits, one is a fixed limit and the other is a temporary limit. The difference is that one can be recycled and the other can only be used for a fixed period of time. Then when our capital turnover is tight, we can use the temporary quota to solve the current capital turnover problem. However, friends who have been raising cards for a long time will be very concerned about whether the use of temporary quotas will affect the fixed quotas. After all, the benefits of a fixed quota far outweigh the temporary quota. So I will explain to you today whether the temporary bank is used or not.

I definition: what is a temporary quota?

The so-called temporary credit line is a temporary credit line granted by banks to customers, which is increased on the basis of permanent credit line. However, the temporary credit line is not a fixed credit line, which is time-sensitive, that is, it must be paid off within the specified time and cannot be recovered.

And according to the difference of each bank, we need to apply for it ourselves or the bank should take the initiative to improve it. When there is a problem with our funds, we can take the initiative to call the bank's customer service phone to apply for a temporary quota. Whether you can apply or not depends on the bank's examination. Moreover, some banks do not support the initiative to apply for temporary quotas, so there is no way. Temporary limits generally appear after large consumption and during holidays, such as National Day, New Year's Day, Spring Festival and other legal holidays, mainly to meet the consumption needs of cardholders.

Two. Conditions for applying for temporary quotas

Generally, banks require new cards to be issued for three months before they can apply for temporary quotas for the first time, but banks have not accurately stated the time for temporary applications. Some banks require 1 month, while others require 3 months. Most banks can still apply after 3 months, and very few banks do not support active application.

There are also many factors that affect the application for temporary credit line: for example, the cardholder's repayment situation, especially the repayment record of the first six months, which is an assessment period for the cardholder, that is, the first impression. If you don't leave a good impression on the bank in the first six months, it is conceivable that there is basically no hope for temporary and fixed. So the new card must be used well in the first six months.

Generally speaking, the increase of temporary restrictions is very high and the range is relatively large, and the maximum increase can reach 200%. How much the temporary limit is specifically increased depends on the consumption of cardholders. Generally speaking, the three-month quota utilization rate cannot be lower than 105%, that is, it accounts for at least 35% of the total consumption every month. If it is lower than this utilization rate, it will not be adjusted, because the bank will think that the quota given to you has met your consumption demand and will not give it again.

In addition, the recent large consumption will also promote the temporary appearance, but there are also risks, and it is not recommended to be timely. Of course, the most effective method is consumption abroad, because consumption abroad is a standard for banks to test whether cardholders are quality customers, and it also depends on personal needs.

Having said that, can you use it for the time being? Let's share the rules of several banks, which are related to temporality.

1. CITIC Bank can fix it once with two temporary upgrades.

2. The temporary quotas of ABC and CCB cannot be touched (if used, the fixed withdrawal period will be extended).

3. Both Minsheng and Guangfa have temporary quotas, which means that the fixed investment time is not far away.

4. the temporary quota should be applied according to your own needs, and it is not recommended to use it temporarily for people's livelihood because the period is very short.

5. The next bill after temporary traffic is used is the easiest to be settled.

6. The application for temporary industrial and commercial line needs to be put forward by customer service, but the application for temporary line needs to be checked. Whether it is successful or not.

7. Temporary bank lines not mentioned should be selected according to your own needs.