A credit card provides a temporary credit limit for a certain period of time.

Credit card companies sometimes provide temporary limits to cardholders, which means that during a specific period of time, the cardholder can spend more than their normal credit limit. Temporary credits are usually for temporary, special needs, such as the holiday shopping season, special events or emergencies. The provision of a temporary limit does not mean an increase in the permanent limit of a credit card, but is a special arrangement that gives cardholders certain flexibility and convenience. Cardholders who use the temporary limit for consumption need to repay the portion exceeding the normal limit within the agreed time and comply with the credit card company's repayment regulations.