It takes 3-5 working days for China Merchants Bank to adjust the fixed credit line. In this process, the bank will review the application for credit card limit increase, and inform you that the application for credit card limit is rejected after the review is completed, and you can reapply after 3 months. In the process of applying for increasing the credit card limit, the bank will decide whether to increase the credit card limit according to your consumption habits. The more you spend, the more you will increase the credit card limit.