No.

According to the query on Baidu Hualv.com, there is a time limit for the temporary limit of a credit card. Generally, the temporary limit is only valid for 30 days, and it will be deemed invalid after the validity period. And once the temporary limit expires, the cardholder is required to repay. Currently, the temporary limit does not accept minimum repayment, which means that the cardholder needs to pay off the temporary limit in full before the temporary limit expires.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.