Temporary credit limit means that the bank increases the credit card limit for the cardholder within a certain period of time, and the limit will be restored to the previous limit after the expiration.

It is a good function to temporarily increase the credit card limit to help everyone make high consumption in a short time, and it is also a good choice for emergency. For example, there is an emergency at home this month and you need money, but the remaining cash on hand is not enough, and the amount on the card is just too small. At this time, you can apply for a temporary quota for consumption. If you apply for a temporary line many times and pay it off on time, the card is in good condition and there is no overdue situation, then it will be much easier to apply for a permanent line.

But everything has two sides. You can enjoy its good side, and you can certainly bear its stressful side. If you use a temporary line of consumption, you must pay it off in one lump sum when you repay it later. There can be no installment and no minimum repayment. Therefore, if the amount is high, it will bring great repayment pressure to cardholders.

Generally speaking, temporary withdrawal will not cause adverse effects, but it will bring a lot of convenience to cardholders. The premise is that you can repay the loan in time every time and don't default. The final choice is up to you. I hope my answer can help you.