1. Apply for temporary credit line. To apply for a temporary credit line, the cardholder must hold the card for at least three months. The cardholder calls the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.

The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.

2. Fix the credit limit of the credit card and hold the card for at least six months. At the same time, the applicant needs to provide sufficient credit certification materials for review by relevant departments. It usually takes 3 working days to get the results.