Hello, if you have a credit card of China Merchants Bank, if the available credit card amount is 6000, then the actual amount you can spend is 6000. Credit card amount consists of fixed amount and temporary amount. When your credit line is insufficient for consumption, you can try to apply for a fixed line and a temporary line.

You can log in to credit card online banking at any time and click Account Management-Account Limit Management-Quota Adjustment to apply. You can also fax (02 1-38566200) or mail the financial certificate that was not provided before applying for the card, including a copy of the real estate license (the real estate license must include the name of yourself or your spouse or minor children, a certificate of relationship and a copy of any water, electricity and coal invoice documents of the real estate license in the last three months), a copy of my vehicle driving license, a copy of the running list of our savings account in the last three months or the original proof of the asset balance of the wealth management account opened by our branches.

To provide temporary credit line, you can apply to increase or cancel the temporary credit line through the following channels (except for business cards). 1. You can log in to credit card online banking at any time and click Account Management-Account Limit Management-Temporary Limit Adjustment to apply. We will review the card usage according to the cardholder's consumption and repayment. 2. Telephone voice self-help: Call the credit card customer service hotline 8008205555, and enter 2-3- 1 as prompted to apply.