CCB Credit Card can increase the temporary limit in the following ways:

1. Call the customer service telephone number of China Construction Bank at 95533, and apply for temporary quota increase through manual customer service.

2. Bring your ID card and credit card to the business outlets of China Construction Bank, and apply for increasing the temporary quota through the counter.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Temporary credit line of CCB credit card

The ways to apply for temporary quota adjustment of CCB are as follows:

1. Mobile Banking: Use CCB Mobile Banking and apply through "Credit Card-Card Service-My Application-Line Adjustment";

2. Edit the short message "CCTE# last four digits # expected adjustment limit # 1" with the reserved bank mobile phone number and send it to 95533 for processing.

Reminder: CCB has never sent a short message with a URL link. Please don't click on the link, and don't disclose the credit card information and verification code. Be careful.

(In case of business changes, please refer to the actual situation. )

Is it easy to apply for temporary credit line of CCB?

If you meet the application conditions, it is relatively easy to apply. Before applying for temporary credit line, CCB was relatively stable in small consumption, frequent consumption, frequent consumption in physical stores and occasional installment, and scored high. Then when you apply for a temporary quota, the success rate will be relatively high and the quota will be relatively high. It is also important to keep a good record of card use and repayment.

Temporary credit line, as its name implies, is the total credit line temporarily increased by banks to meet the temporary needs of customers on the basis of permanent 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.

Generally speaking, the credit limit is comprehensively evaluated according to the information filled in by the individual when applying for a credit card and the relevant supporting documents provided, and the main card and the auxiliary card share the same credit limit. When the cardholder needs to use a higher credit line in a certain period of time because of traveling abroad, decorating a new house, getting married, and children studying abroad. Banks can provide services to increase temporary credit lines.

Increasing the temporary credit line allows cardholders to enjoy the convenience of spending during the peak consumption period, but the temporary credit line does not enjoy revolving credit. The actual credit limit of the credit card exceeding the original credit limit 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.

Temporary credit card line, according to the regulations of the bank, the general temporary credit line is 20% higher than the permanent credit line and has a certain validity period. The temporary credit card limit has a valid period, generally between 1 month and 3 months. Upon expiration, the credit card limit will be restored to the original fixed limit.

Increasing the temporary credit line allows cardholders to enjoy the convenience of spending during the peak consumption period, but the temporary credit line does not enjoy revolving credit. The actual credit limit of the credit card exceeding the original credit limit 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.

CCB's temporary quota can be applied when your consumer demand increases. Temporary quotas can be applied in the following ways:

1. Online banking application: log in to personal online banking, and then select "Credit card-credit card limit adjustment temporary limit".

2. SMS application: use the mobile phone number reserved by CCB when applying for a credit card, edit the SMS "CCTE last four digits # # Amount to be adjusted" and send it to 95533.

3. Telephone application: After using the system to reserve a mobile phone to make a call, you can apply by yourself according to the voice prompt.

This concludes the introduction of how to apply for temporary credit line of CCB and how to apply for temporary credit line of CCB. I wonder if you have found the information you need?