There are two kinds of credit cards, one is fixed and the other is temporary. The temporary quota is different from the fixed quota, and there is a time limit, which is what we call the validity period. So, how long is this validity period? Here are some information about the temporary credit card limit for your reference.

I. What is a temporary quota?

This credit line is temporarily increased by the bank on the basis of the permanent credit line to meet the temporary needs of customers. According to the regulations of the bank, the general temporary credit line is increased by 20%- 100% on the basis of the permanent credit line, and it has a certain validity period.

Second, how to apply for a temporary quota?

Compared with permanent withdrawal, the application procedure of temporary withdrawal is simpler and takes effect faster. Under normal circumstances, call the credit card customer service center directly to apply, and the application will take effect immediately after it is approved.

Of course, there is also a case where some cardholders ask for a large amount, or there is a credit stain in the past credit card use process, which needs to be re-examined, and it usually takes 2-3 working days to give a reply.

Three. How long is the temporary quota valid?

Temporary credit line is different from fixed credit line of credit card. The temporary credit line is not a revolving credit line, and the validity period is only one to two months. However, different banks will have different regulations. The length of the temporary limit is comprehensively evaluated under the limit of the cardholder's demand and the longest period of the card center, and sometimes it is combined with the cardholder's past card use.

According to reports, the temporary credit line of construction bank card is generally 3 months, the temporary credit line of China Everbright Bank Card is generally valid for 45 days, the temporary credit line of China Merchants Bank Card is generally 30 days, the temporary credit line of Communications Bank Card is generally 2 months, and the temporary increase of Industrial Bank Card is valid for 1 month at the longest. If the validity period is exceeded, the credit card will be automatically restored to the original credit limit.

4. How to repay the temporary quota?

During the period of increasing the credit line, if the cardholder uses the temporary credit line, it needs to be repaid in one lump sum, not in installments, nor according to the minimum repayment amount. If the temporary credit line fails to repay on time, it shall be deemed as overdue.

If the temporary limit cannot be paid off in one lump sum, the bank will charge interest on the credit card from the due repayment date or the next day, generally 0.5 ‰ of the daily interest, and charge a late fee, which is 3% of the outstanding amount. In addition, it may also affect personal credit records and cause bad credit records, which is not conducive to applying for loans such as mortgages in the future.

Credit card temporary limit validity period

The validity period of the temporary credit card limit varies from bank to bank, so you'd better ask clearly when applying for the temporary credit card limit. There may be differences between different cards, which we need to pay attention to. The validity period of the temporary line of the four major banks: ICBC credit card: the validity period of the temporary line is 60 days, and there is no limit on whether it can be withdrawn after the expiration, depending on the audit results of ICBC. Agricultural Bank of China Credit Card: The temporary quota is valid for 60 days, and it takes 3 months to reapply after the expiration. China Bank Credit Card: The temporary limit is valid for 60 days, and you can continue to apply after the expiration. CCB Credit Card: The use period of temporary credit line is relatively long, which can reach 90 days, subject to bank review.

Validity of other bank limits

China Merchants Bank Credit Card: The temporary limit is valid for 30 days. Generally, the temporary limit is high. A fixed limit of 60,000 can give a temporary limit of 654.38+0.5 million.

Bank of Communications Credit Card: The temporary credit line is valid for 60 days, and the withdrawal range is high, reaching 60% of the credit line.

Credit card of Guangfa Bank: The validity period of the temporary line varies from person to person, ranging from 20 to 50 days.

Industrial Bank Credit Card: The temporary limit is valid for 30 days, just like most bank credit cards.

How many days is the temporary credit card limit?

The temporary credit line obtained by cardholders has a "validity period", mostly 30 days. Upon expiration, the credit limit of the cardholder's credit card will be automatically restored to the original limit. The temporary credit line does not enjoy revolving credit, and the actual credit line exceeding the original credit line will be included in the minimum repayment amount of the current statement, which needs to be paid off in one lump sum before the due repayment date. If the cardholder has not returned the used part of the temporary limit when it expires, the bank will charge an overrun fee according to a certain proportion, generally 5% of the overrun part.