Temporary credit line is a temporary credit line that banks improve to meet the temporary needs of customers on the basis of fixed credit line. According to the regulations of the bank, the general temporary credit line is 20% higher than the permanent credit line, and it has a certain validity period.

Because there is a validity period, after the validity period, the temporary quota disappears and cannot be changed into a fixed quota. Therefore, the temporary credit line of China Merchants Bank cannot be changed into a fixed credit line.

Temporary restrictions should be used skillfully. Most banks can't choose installment repayment or minimum repayment amount when repaying credit cards within the temporary limit, so if they don't repay in full within the time limit, they will be charged the maximum 5% overrun fee, which will even affect their credit history.

Extended data:

Improve quota skills

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on using the telephone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when handling this application.

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