Let me talk about the situation of my card first. I mainly use Taobao V gold, and the card limit is 25K. Gangpu mentioned 33K (exactly 12 bills), but the actual available limit of the card is 143K (this limit It has been reached in advance).
The prerequisite is that you must pay new express cash in addition to the quota (note: new express cash is the cash installment business provided by China CITIC Bank) (if you see this, don’t think that the 143K quota above is all piled up by new express cash) , look at the last number in the picture)
A few days after the billing date, first use the new cash of 10,000-20,000, assuming it is 15,000 (do not use all the money except the limit) used). The number of periods is 1-3, assuming it is divided into 3 periods. (Do not exceed 6 periods. The number of periods involves the number of fulfillment times and the second new payment. The number of periods must not be too many).
Since the use of new credit outside the quota has priority over the use within the quota, the system will immediately increase the temporary quota. The total credit limit = 20,000 solid + 15,000 temporary = 35,000.
After the bill comes out, pay the full amount again and wait for it to be credited. At this time, if the card was in good condition before, a second new express line outside the limit will be issued. If you click on the one that has not been issued, it doesn't matter, because there are still new express lines outside the limit, and you can continue to use it. At this time, the new express line is outside the quota, so the total credit limit of the new express line continues to increase.
A. After the bill is repaid, the amount of each new payment that should have been recovered by the system will no longer be recovered, but will remain in the available amount, that is, the total credit limit will no longer increase with the new amount. Quick cash repayments are reduced.
B. The casual loan can only be used up to the withdrawal limit, but suddenly it will be combined with the new quick cash limit. That is, as many new quick cash are there, you can have as many corresponding casual loans. Including within the quota and outside the quota.
At this point, you are basically done. The new cash out of the limit has actually been converted into the available limit of the card in the form of a temporary limit, and can be withdrawn by swiping the card.
This matter is actually easy to solve: according to the rules of CITIC system, if you use a new cash before the temporary limit expires, the date of the temporary limit will be overwritten by the repayment period of the new cash. Automatic extension.
In addition, if there are multiple provisions, the provision that expires early will be automatically extended by the provision that expires later. For example, if a sum of 10,000 temporarily expires on 4.1, and another sum of 20,000 temporarily expires on 5.1, then after 4.2, the 10,000 sum will not be withdrawn by the system and will continue to be retained.
In the case of multiple temporary quotas, the quota that expires first is automatically extended and expires later, and the quota is automatically extended to follow the expiry of the new instant, and the quota is always retained.
There are currently N transactions, totaling more than 70,000 (not counting the unpaid new quick cash portion). The last one due is on April 9th. I just made a transaction of 10,000 this morning. After 4.9, all the money will not be recovered temporarily and will be extended until after the next billing date (4.20).
The unpaid new cash is about 35,000 in 4 transactions, all of which are due on the next bill. According to the rules of the CITIC system, after the next bill is due and the new cash is paid off, the temporary limit can be converted into a fixed limit. So, can it be directly raised from the current 33K to 143K or close to it? This is the only remaining question. . . . .
As mentioned above, for the card in the picture, the total temporary limit is the sum of several temporary limits. Except for the one that expired on 4.9, the others have expired early, but have not been withdrawn, and are still superimposed on the total amount. inside.
On 4.8, a text message was sent, reminding me that the quota will expire tomorrow. I called customer service immediately to confirm again whether the quota will be recycled, but the customer service said no.
On 4.10, I woke up and found that the available credit limit had dropped back to 25K, and the available credit limit had exceeded the limit by more than 60,000. (It is generally mentioned as 33K, but because there are still several new express lines that have not yet been repaid in the last installment, before the new express lines are settled, the increased fixed amount will be temporarily frozen and cannot be used, so the card limit is still 25K)
Because there was a new issue of 8K cash before, and it was immediately taken out in the form of a new cash on the day of repayment (not yet recorded in the account), so it was temporarily increased immediately at that time, but the new 8K cash was then It has not yet been converted to temporary, so after the account is recorded, the total authorized amount is reduced by 8K. In this way, during this transfer, it can only jump to less than or equal to the total authorized amount.
If the extra credit is converted into a temporary limit, the minimum repayment amount will become (20001000300)*5%=1515
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