What kind of behavior will occupy the credit card limit?

1. The quota is occupied by installments. It includes installment payment, bill installment, cash installment, etc. Under normal circumstances, the restoration of the installment limit is generally based on the amount of repayment in one installment. For example, if you repay 1,000 yuan in 6 installments, then the credit card limit will automatically be restored to 1,000 yuan each time you repay one installment.

2. The amount occupied by cash withdrawal. Withdrawal and repayment can be calculated into the minimum repayment amount, but cannot be repaid in installments, so if you withdraw cash and repay in full, the limit will be fully restored.

3. The amount occupied during the interest-free period. If you swipe the card without installment, choose to pay it all off before repaying again. During the period of non-repayment (i.e. interest-free period), the credit limit will also be occupied.

Reminder: If you need to use the occupied quota urgently, just repay the quota first and it will be automatically restored. If you are under financial pressure, you can first apply for a temporary quota or a fixed increase, and then call the bank or online banking to apply. When using the temporary limit, it needs to be paid back in one go, while the fixed limit can be repaid in installments.