The temporary credit line of China Merchants Bank must be repaid in full when it expires. Credit lines are divided into temporary credit lines and fixed credit lines: \x0d\ 1. The application for temporary credit line requires the cardholder to hold the card for at least three months. The cardholder calls the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. \x0d\ The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date. \x0d\ 2。 Fix the credit limit of a credit card, and it will take at least six months to get the card. At the same time, the applicant needs to provide sufficient credit certification materials for review by relevant departments. It usually takes 3 working days to get the results.