The bank actively increases the temporary credit line because your previous credit card record is good, which is helpful to some extent, but only if the temporary credit line is limited. If you use a temporary credit line after using your original credit line, the excess must be repaid in a short time. Therefore, it is suggested that the bank should keep a good credit record when adjusting the temporary credit line for you, and try not to use the temporary credit line, because it is a temporary credit line, so he also has a repayment period for you.

Extended data:

Skills of increasing credit card limit;

1. Credit cards cannot be used as savings cards.

I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.

2. Always swipe your credit card

There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.

If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.

3. Irregular high consumption

Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.

There is still a big difference between frequent credit card swiping and frequent credit card swiping. Under normal circumstances, when handling credit cards, the amount will not be very high. If you often empty the quota, even if you can repay it on schedule in the future, it is also a big taboo for raising the quota.

You can't cash out maliciously.

Credit cards support cash withdrawal. If you withdraw cash normally, you can also increase the amount. But if it is malicious cash, once it is discovered, it will be banned and downgraded. It will be more difficult to leverage loans by raising the quota.

In fact, this can also be circumvented. Don't swipe your card on the same credit card machine for many times in a short period of time, and don't swipe your card with integer mantissa, or swipe your card during closed hours. As long as it does not conform to the normal consumption logic, it will naturally not be judged as malicious cash.

For malicious cashing, the processing result of the issuing bank is still very serious. The reduction of credit cards is still a good result. Once personal credit information is obtained, the impact will be even greater.