Credit card temporary limit, simply put, is a temporarily increased credit limit. It is a limit that can be used temporarily. Unlike a fixed limit, credit cannot be recycled. After expiration, the limit will return to the previous fixed limit. Also called a temporary line of credit. Temporary credit limit, as the name suggests, is a temporary increase in the total credit limit based on the permanent credit limit by the bank to meet the temporary needs of customers. According to bank regulations, a temporary credit limit increase is generally 20% based on the permanent credit limit and has a certain validity period. If the fixed credit limit of your credit card is not enough, you can call the credit card center of the card-issuing bank and ask customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether it can be done for you based on your card usage records. The credit limit is temporarily increased, and after a specified period of time, the credit limit is adjusted back to the original fixed limit.

1. Temporarily increase your credit limit to avoid maxing out your credit card. In fact, every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you max out your credit card, it will be easy to use the over-limit limit. Using over-limit limits means paying high over-limit fees. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

2. Increasing the temporary limit of credit cards can allow cardholders to enjoy the convenience of credit card consumption during consumption peaks. However, the temporary limit does not enjoy revolving credit. The portion of the actual credit limit that exceeds the original credit limit will be included in the current period's credit limit. The minimum payment amount of the bill needs to be paid in one lump sum before the payment due date. The temporary limit must be used wisely. In most banks, the credit card payment part within the temporary limit cannot be repaid in installments or the minimum amount when repaying like the credit card payment part of the ordinary credit card limit. Therefore, if the payment is not made in full within the time limit, you will be charged. Being charged an over-limit fee of up to 5% can even affect your credit record.