Fixed quota is a quota that is dynamically adjusted periodically according to the recent consumption habits of customers, and it is used for the dynamic management of bank account quota. The application of quota is for emergency or large consumption, but the increase of quota is permanent. Once the fixed amount is increased, your credit card limit will be permanently increased. If you want to increase the fixed amount, it is important to accumulate your usual consumption times and personal credit.

The credit limit is the amount given to you by the bank when you apply for this credit card, which determines how much you can overdraw with this card.

2. They have different functions:

Fixed quota is used for dynamic management of bank account quota; The credit limit function is used for overdraft consumption. No matter how big the fixed amount is, you can only use the credit line for consumption.

People's livelihood quota is greater than credit line. At present, the credit card of the bank has been fixed according to its income and credit information when it is approved. Fixed line is mainly related to the increase or decrease of credit cards, and the function of credit line is used for overdraft consumption. Therefore, how much credit a user wants to use is based on a fixed credit limit, but how much credit can be used is set according to the credit limit. For the first time, the cardholder needs to use the card for more than 3 months from the date of card inspection; To apply for a fixed amount for the first time, the cardholder needs to use the card for more than 6 months from the date of verification.

In other words, the function of credit line is used for overdraft consumption. No matter how big the fixed amount is, you can only use the credit line for consumption. If you are in good condition during the card use period and need money urgently, you can apply for a temporary limit, but you must repay it on time. If the user wants to increase the temporary limit, it will only appear if there is no bad credit record and no minimum repayment amount.

Finally, remind you not to overdue the repayment. Only when the repayment record is good will the bank recognize your repayment ability.