1, applied by official website:
Cardholders can log in to official website Credit Card Center of China Merchants Bank, click "Account Management"-"Account Limit Management"-"Temporary Limit Adjustment" on the home page, fill in relevant information and apply.
2. Telephone application:
Cardholders can call the credit card service hotline of China Merchants Bank at 400-820-5555, press 2 to enter "Line Inquiry and Adjustment", and then press 3 to enter "Line Adjustment Application" for processing.
：
If you use China Merchants Bank's credit card, you can't spend more than the available amount, and there is no channel to open.
There are usually three reasons for exceeding:
1. After adjusting the temporary quota, when the temporary quota expires and the available quota is used up, the excess will be displayed.
2. If there is installment, the available quota is used up, and the installment bill will be issued, and the excess will be displayed.
3. The available line has been used up, but there are related expenses on the card.
Under normal circumstances, as long as the overrun part is returned before the next billing date, there will be no overrun fee, otherwise there will be overrun fee.
If the over-limit credit card arrives just before the repayment date, and the new bill date is after the repayment date, as long as the current bill is paid off normally, the over-limit part will be gone and there will be no over-limit fee.
If the billing date is 5 days, the repayment date is 25 days, and the credit card is overspent on May 22, as long as the previous bill is paid off on May 25, there will be no overrun fee.
If the billing date is 5 days, the repayment date is 25 days, and the card is overspent on May 28, and the overspent part is not returned before June 5, when a new bill is generated on June 5, an overrun fee will be incurred.