Temporary credit line is to temporarily increase the total credit line on the basis of permanent credit line to meet the temporary needs of customers. According to the regulations of the bank, the general temporary increase in credit line is 20% of the permanent credit line, and it has a certain validity period. The validity period is usually 1-2 months, after which the original limit will be restored.

If you want to increase the fixed amount, you can try this:

1, try to spend by credit card.

After the credit card is completed, you will pay as much as possible. Clothing, food, housing and transportation will choose shops that can use credit cards. The more frequently used, the higher the loyalty to the bank. The information system of the issuing bank will record and count the frequency of your card swiping. With a good repayment record, you can generally apply to the issuing bank by phone or in writing to increase the credit limit, and even the issuing bank will automatically increase your credit limit (banks are willing to increase the credit limit for high-quality customers with high consumption and high repayment).

2. Use up the credit card limit as much as possible.

It is best to use up the amount given by the bank every month. The monthly consumption of cardholders is the main reference for banks to consider how much to increase. If your credit card limit is 3000 yuan, and your monthly consumption is about 1000 yuan, the bank will think that the limit of 3000 yuan is enough to meet your needs. If you apply for an increase in the limit, even if your credit history is good, the bank usually won't give you too high a limit. If your monthly consumption is close to 3000 yuan, the bank will know that your credit card limit is really insufficient and will greatly increase the limit.

3. Don't generate late fees.

If you don't repay in time, you not only need to pay a high late fee, but also need to record it through the bank's credit information system and register it in the central bank's personal credit information system. This will not only affect your credit card application, increase the credit limit and consumption, but also affect your future loan (the bank will use this loan when approving the loan). For important referees, transactions (business partners can also apply to check your credit status), and even job hunting (many companies also use personal credit as recruitment criteria) and many other troubles make you hit a wall everywhere.

4. Appropriate use of temporary adjustment.

Generally speaking, you can apply to increase the temporary limit within one to three months after the credit card is opened. If you pay it immediately after the temporary adjustment, the bank will think that you really have high requirements on consumption and repayment ability, and it is easy to increase the permanent limit.

Extended data:

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

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.

Baidu Encyclopedia-Temporary Credit Card Limit