Explain that there is no limit and you need to repay it before you can continue to use it. Available credit limit refers to the unused credit limit in your credit card. The calculation method is as follows: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.

(China Merchants Bank) can apply for increasing or canceling the temporary quota through the following channels (except for business cards). 1. You can log in to credit card online banking at any time and click Account Management-Account Limit Management-Temporary Limit Adjustment to apply. 2. Telephone voice self-help: Call the credit card customer service hotline and enter 2-3- 1 as prompted to apply.