The credit line consists of a fixed line and a temporary line: the fixed line is approved by China Merchants Bank; The temporary limit shall be temporarily applied by the cardholder to China Merchants Bank as required.
All credit cards (including supplementary cards) under the name of the main cardholder share the same fixed line, and the credit lines of multiple cards are not accumulated.
Increase quota
China Merchants Bank will occasionally increase the fixed quota for cardholders with good card records. Cardholders can also apply to increase the fixed amount by themselves, and our bank will review their card usage such as consumption and repayment to determine whether to increase the fixed amount.
Application method: Log in to the credit card online bank and click Account Management → Account Limit Management → Quota Adjustment.
Log in to Pocket Life and apply for an increase in quota immediately.
For telephone voice application, after calling the credit card service hotline to verify your identity, press 2 to enter "Line Inquiry and Adjustment", and then press 3 to enter "Line Adjustment Application".
Apply for temporary quota
When your fixed quota can't meet the consumer demand, you can apply to China Merchants Bank for a temporary quota, which will take effect immediately after approval. The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
Application route:
It is recommended to use "China Merchants Bank Credit Card Official WeChat" to apply for temporary quota anytime and anywhere!
Log in to credit card online banking and click Account Management → Account Limit Management → Temporary Limit Adjustment.
Log in to Pocket Life and apply for an increase in temporary quota immediately.
For telephone voice application, call the credit card service hotline to verify your identity, press 2 to enter "Line Inquiry and Adjustment", and then press 3 to enter "Line Adjustment Application".