Temporary credit line 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 the user's credit card is not enough (such as decoration, travel, etc. ).

Users can call the credit card center of the issuing bank and ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased for the user according to the user's card use record, and the credit limit will be transferred back to the original fixed limit after the specified time.

If the user's credit card record is good and there is no overdue or other illegal use of the card, the credit limit can be temporarily increased, and the scope of increasing the temporary credit limit is generally controlled at X times of the fixed limit. ?

On Christmas, New Year's Day, Spring Festival, Eleventh and other fixed holidays, the bank credit card center will take the initiative to adjust the temporary credit card limit, and generally increase the temporary credit limit by x times the fixed limit for cardholders' holiday consumption. After the holiday, the user's quota will be restored to the original fixed quota in about one month.

Extended data

Each bank's temporary quota policy is different, and the withdrawal time is different:

1, Bank of China: As long as there is repayment record for the first withdrawal, the second withdrawal time is not limited, and you can apply to the bank at any time as long as there is demand;

2. ICBC: you can apply for the first temporary withdrawal at any time, and then you can apply for adjustment once every 1 month;

3. China Construction Bank: It takes 2 months to apply for the temporary line for the first time, and then you can apply for adjustment every 1 month;

4. Agricultural Bank: There is no time limit for applying for a temporary quota, and you can apply at any time;

5. China Merchants Bank: There is no time limit for applying for a temporary quota, and you can apply at any time;

6. Guangfa Bank: When applying for temporary withdrawal for the first time, it must be adjusted once every six months after holding the card;

7. Shanghai Pudong Development Bank: The first application for temporary withdrawal must be 4 months after the card is held, and then you can apply for adjustment every 1 month;

8. China Everbright Bank: The first application for temporary withdrawal should be made after the card has been held for 3 months, and then the adjustment can be applied every 3 months;

9. Huaxia Bank: You can apply for temporary withdrawal once every two months after you have held the card for six months for the first time;

10, Industrial Bank: There is no time limit for applying for temporary line, and you can apply at any time;

1 1. Bank of Communications: Temporary applications cannot be made voluntarily, but can only be invited by banks;

12, China CITIC Bank: Temporary degrees cannot be applied voluntarily, but can only be invited by banks.

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