The reasons why the temporary credit limit becomes a fixed limit are:

1. The temporary limit expires. Banks often raise credit limits for cardholders from time to time. What can be raised is a temporary limit, which is superimposed on the fixed limit, giving people the illusion that it is a fixed limit. As a result, after using the temporary limit for consumption, the repayment will be difficult. The already used quota will be offset and the available quota will be restored, so that the quota will be reduced.

2. The over-limit is used. Many banks have enabled over-limit services by default. After using up the fixed limit on the last purchase, you can also overdraft the limit by 5 to 10%. A negative value will be displayed in the credit card limit, and the negative part will be filled in for repayment. , the remaining repayment amount will return to the fixed amount.

3. Derated by risk control. Many cardholders do not use their credit cards for daily personal consumption in accordance with the credit card contract. Instead, they use their credit cards to cash out, invest in financial management, etc., triggering the bank's risk control system and immediately reducing the limit after repayment.