A temporary credit card line is a line that can be used for a short time. Unlike the fixed line, it cannot be used for revolving credit, and the line will be restored to the previous fixed line after expiration. If the cardholder wants to continue to use the temporary limit, he needs to apply again. In addition, the temporary repayment amount can not be paid according to the minimum repayment amount, nor can it be paid in installments, but can only be paid off in one lump sum. Therefore, cardholders must evaluate their repayment ability before using the temporary credit line, and don't be overdue because they haven't paid it back yet. How about using a temporary credit card limit? The above two points are the obvious characteristics of the temporary credit card limit, which most cardholders know. But there are two shortcomings that many people don't know.

1, the use of temporary credit card limit will affect the promotion of fixed limit, mainly reflected in these two points:

① In some banks, after using the temporary quota and paying it off, the cardholder can apply to convert the temporary quota into a fixed quota, which is equivalent to withdrawing cash in disguise.

② Some banks increase the temporary credit card quota, which may not be conducive to increasing the fixed quota. Because there will be a time interval for credit card to raise the fixed limit, some banks will take the opportunity to raise the temporary limit, which is unfavorable for raising the fixed limit.

2. Temporary credit line is not conducive to applying for a new card.

① When the cardholder applies for increasing the temporary credit limit, the issuing bank will make an inquiry on the credit report of the cardholder and leave the inquiry record. Too many inquiry records are not conducive to applying for new cards or other loans.

2. The temporary quota will also be reflected in the credit report. If the limit is too high, it may appear in the detailed version of your credit report, so your short-term application for credit cards and loans will be affected.

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