Usually, the temporary credit line can be increased by 20% on the basis of the permanent credit line, but within a certain period of time. It is worth noting that after the temporary limit expires, it will automatically return to the original limit. The part used in the temporary line will be included in the minimum repayment amount of the next bill, which must be paid off in one lump sum and cannot be repaid by installments. If it is overdue, it will charge a high late fee and interest. So it's best to apply for a temporary quota after a while. Curve Platinum Card If the cardholder has a temporary credit line of CCB, please don't use it first. Within the validity period, apply for the second platinum card of China Construction Bank. Platinum card has a higher grade, and the quota is naturally higher than that of Jinpu card. If the cardholder's personal qualification is good, the amount of the second platinum card may be higher than that of the first card, and the amount is generally the fixed amount of the first card plus the temporary amount.

1. Temporary credit line Cardholders can apply for temporary credit line increase immediately after swiping their cards. Banks will think that the cardholder's credit card limit can't keep up with the cardholder's consumption level and economic ability, so it will be easier to increase the limit. Consumption abroad cardholders have a temporary credit limit for CCB credit cards. Cardholders can choose a number of shopping in consumption abroad or overseas. Immediately after drawing the draft, he called the bank to apply for a fixed limit. Generally speaking, banks will raise the temporary limit to a fixed limit. Increase credit card consumption: Cardholders can use CCB credit cards to spend money anywhere. If they want to raise a fixed amount of money, they will inevitably increase their expenses.

2. Repayment by installment: Repayment by installment will generate certain interest, and the cardholder can choose repayment by installment appropriately. The number of periods should be 3-6, but not too long. Freeze threat: When the cardholder insists on using CCB credit card for more than half a year and suddenly stops using CCB credit card for 1-2 months, in order to retain customers, the bank will choose to increase a fixed amount in return. Of course, there is a certain element of luck in this way. Make good use of it and cherish it. Of course, banks may refuse to apply for a fixed quota immediately after applying for a temporary quota. Therefore, customers are advised to apply for a temporary quota first, and then pay back the money on time after the temporary quota expires, and then apply for a fixed quota. For example, customers can apply for a temporary quota before holidays, make large purchases with credit cards during holidays, repay on time after holidays, and then apply for a fixed quota. The bank knows the customer's quota demand. As long as the customer has maintained good credit before, it is possible to increase the fixed amount of the card for the customer. Sometimes customers don't need to apply for it themselves. For high-quality customers, CCB will take the initiative to increase the fixed card quota.