The permanent credit limit of a credit card is to permanently increase the credit limit of the card, which is opposite to the temporary credit limit.

The credit limit is based on the information filled in by individuals when applying for a credit card and the relevant supporting documents provided by them. When the cardholder needs to use a higher credit line within a certain period of time because of traveling abroad, decorating his new house, getting married, studying abroad for his children, etc., the bank can provide the service of raising the temporary credit line, and the range of raising the temporary credit line is generally controlled at 2%-5% of the fixed credit line, and the raised temporary credit line is generally valid within 3 days.

Extended information:

Ways to improve the credit line

1. Fully prepare various asset certificates. At the beginning of the application, because you don't have any consumer credit records in the bank, the bank evaluates your various income assets and then decides how much credit line to give you. If you want to greatly increase the credit line at the time of application, you should submit all the income certificates, housing property certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.

2. Fill in the details of the form carefully. When filling in the application form, pay attention to some small details that affect the credit line, such as whether you are married, whether your mobile phone number has a monthly rent, and whether you are a local account. If the above answers are in the affirmative, the bank will greatly increase your credit evaluation, but it is not absolute, but it is relatively easy to pass the qualification examination and improve the initial application for consumption limit. Consumer credit and repayment credit are still the most important for banks.

3. Don't forget to swipe your card anytime and anywhere. During the period of using the card, you should spend more by swiping the card. You should try to choose a store with swiping the card for food, clothing, housing and transportation. The more frequently you use it, you will have a relatively stable spending quota every month, just changing the original habit of cash consumption to swiping the card. This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.

4. Repay on time and maintain good credit. If you owe money, you can borrow it. Banks also strictly follow this ancient truth. If you don't pay back on time, you will definitely have no credit. You'd better pay back in full, not just the minimum repayment amount. Cyclical interest will make you unbearable.

5. Take the initiative to apply for increasing the credit limit. After half a year of normal credit card use, you can take the initiative to submit a written application or adjust the credit line through the service phone, and the bank needs to approve it. Under normal circumstances, your credit line will be increased to a certain extent after reviewing the consumption records and credit records.

Reference: Baidu Encyclopedia-Permanent Credit Line

Baidu Encyclopedia-Temporary Credit Line

Baidu Encyclopedia-Credit Line.