Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased. ?
When the fixed credit limit of your credit card is not enough (such as decoration, travel, etc. ), you can call the credit card center of the issuing bank.
Ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will decide whether the credit limit can be temporarily increased for you according to your card usage record. After the specified time, the credit line will be transferred back to the original fixed line.
Extended data:
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 92
Commercial banks should implement classified management of credit card risk assets, and the classification criteria are as follows:
(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance. ?
(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive). ?
(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive). ?
(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive). ?
(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days. ?
On the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been recognized by the CBRC and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards.
Continue to pay attention to and regularly compare important risk management indicators related to reserve provision and risk asset measurement, and take corresponding risk control measures.
Article 93
Commercial banks should establish and improve the operational risk prevention and control system and emergency plan for credit card business to effectively prevent operational risks. The following risky assets should be directly classified into corresponding categories:?
(1) Once the risky assets caused by the fraudulent use of credit cards by cardholders are confirmed, they are directly classified as suspicious or loss. ?
(2) Risk assets caused by internal crimes or internal and external collusion crimes shall be directly classified as suspicious or loss. ?
(3) Risk assets caused by system failures and operational errors should be directly classified as suspicious or loss. ?
(4) Risk assets that have not been repaid after signing the personalized installment repayment agreement are directly classified as secondary or suspicious.
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