1. Temporary limits are not conducive to increasing the fixed limit

Some banks may allow cardholders to convert the temporary limit into a fixed limit if the cardholder uses the temporary limit well. But it is actually an abnormal price increase opportunity. However, the use of temporary quotas also has a certain impact on the increase of fixed quotas, because most banks have time limits on the increase of fixed quotas, and the increase of temporary quotas may occupy the increase of fixed quotas. opportunity, thereby affecting the increase in the fixed quota in the future.

2. Repayment in full, not in installments

Many cardholders may choose to repay their credit card bills in installments to reduce debt pressure .However, this cannot be done with temporary limits. The use period of temporary limits is relatively short. Generally, banks give one month of use time, and must be repaid in full immediately after expiration. Otherwise, it will affect the application.

3. It affects expropriation and is not conducive to applying for new cards

When processing bank borrowing business, you need to check the receipt, and applying for a temporary limit is no exception. Processing the temporary limit is like processing a credit card. Once you apply, the bank will check the receipt. Using temporary The more times the limit is set, the more receipt query records will be recorded, which will affect applications for other cards in the future.