No, under normal circumstances, the temporary credit line is issued by the bank to users who have a great demand for credit cards and usually use them well, which is also considered as a kind of qualification recognition. In most cases, the more you use the temporary quota, the more you can prove your spending power, and such people are usually on the white list of banks, so it is helpful to increase the quota. However, a few banks believe that users with such a high demand for temporary quotas can easily enter the risk control list because of financial problems, which is also the main reason for the disagreement on the use of temporary quotas. But in fact, on the whole, under the premise that banks actively issue temporary quotas, as long as cardholders can repay on time, the advantages outweigh the disadvantages in the use of temporary quotas.

If only the temporary limit is considered, whether to use it depends on the actual situation of the cardholder. Because it is different from the quota, the temporary quota cannot be applied for installment and minimum repayment amount, and the cardholder needs to repay in full on the next repayment day after use. If you are a user with limited repayment ability, it is usually best not to use a temporary line, so as to avoid the credit stain caused by the failure to repay on time and affect the application of other loan products. Of course, if the cardholder has sufficient repayment ability, he can determine the purpose of the temporary line according to his own needs.

Fixed line, as the name implies, is the credit line granted according to the cardholder's personal qualification after the bank card. Then the temporary line is the credit line that the bank gives to more qualified customers on the basis of a fixed line. Quota is completely different from temporary quota, and it has very strict timeliness. If it is not used during the temporary quota period, it will be resumed after the fixed quota expires. The validity period of temporary quotas has its own characteristics. Half of the validity period is between one month and two months, and it will be automatically cancelled immediately after expiration. Therefore, when using the temporary quota, it is necessary to plan the funds well to avoid overdue due to financial problems. Installment repayment and minimum repayment amount are temporarily not supported. Repayment shall be paid in one lump sum before the repayment date. The time exceeding the limit has expired.

For those who are in urgent need of cash flow, the temporary quota is indeed a sharp weapon. If you need money urgently now, the bank will only give you a sum of money temporarily, and you must prepare the money to be repaid before the repayment date. If the cash flow problem leads to overdue repayment, the bank will treat it as a breach of contract, collect overdue fines and corresponding interest, which will seriously affect the credit information, affect the future purchase of houses and car loans, and even face the risk of litigation and sentencing. Under normal circumstances, the bank will have a temporary limit, which is generally 20% to 50% of the fixed limit, but it depends on the cardholder's credit card record, such as the number of times of credit card swiping, the amount of credit card swiping, and whether there is any overdue record. In any case, no matter whether it is a temporary quota or a fixed quota, when using a credit card, you must spend according to your own needs and abilities. You can't do things with ten dollars just by relying on one dollar's ability. In the end, we will hurt ourselves. It may be wrong for banks to spend a lot of money on credit cards. Although banks encourage the use of credit cards, the amount must be controlled. For example, brushing all the credit card limits at one time will make the bank think that you have violated the rules.