1. When will the temporary quota expire?
Temporary credit card lines are valid, and when they expire, they will be invalid, and the line will be restored to a fixed line. Under normal circumstances, the validity period of the temporary credit line of major banks is different, and how long it will expire depends on how the bank stipulates it.
CCB and ABC's temporary quotas are generally valid for 3 months; The longest validity period of the temporary lines of BOC, ICBC and BOCOM is 60 days;
The validity period of temporary lines such as Industrial Bank and China CITIC Bank generally does not exceed 1 month; The temporary quota of China Everbright Bank is generally valid for 45 days; The validity period of the temporary quota of Shanghai Pudong Development Bank is generally 30 days to 40 days.
2. Can the temporary quota be extended when it expires?
Temporary line cannot be extended when it expires, but it can be reapplied. The reapplication of temporary line actually depends on two situations:
In one case, you haven't paid back your previous temporary limit. If so, it will be very difficult to apply for a temporary line.
In another case, if you have paid the last temporary quota, you can apply again. Many banks stipulate that you can apply again as long as you have the repayment record of the last temporary limit.
Under normal circumstances, the repayment will be more timely, and the success rate of reapplying for temporary quota will also increase. Pay attention to the following points when applying for temporary quotas:
1. The more times and types of consumption per month, the higher the success rate of withdrawal;
2. Only by repaying the loan on time can you apply for increasing the quota. If it was just overdue last month, there is generally no way to raise the amount this month;
3. If you often participate in various credit card swiping and bonus points discount activities, it will be a bonus item, and it will be much easier to apply for a temporary quota.