The rules for applying for temporary quotas from major banks are as follows:

1. Bank of China: The first withdrawal of a temporary quota requires a repayment record, and there is no time limit for subsequent withdrawals.

2. ICBC: There is no time limit for the first withdrawal. The temporary limit will be requested again one month later.

3. China Construction Bank: China Construction Bank requires a temporary limit of 2 months after holding the card for the first time, and 1 month after holding the card again.

4. There is no time limit for Agricultural Bank of China, Industrial Bank and China Merchants Bank.

5. Guangfa and Huaxia: The first withdrawal requires holding the card for 6 months, the second withdrawal by Guangfa still requires 6 months, and Huaxia requires 2 months.

6. Pudong Development Bank: The first request is to hold the card for 4 months, and the second request is 1 month later.

7. Everbright: It takes 3 months to hold the card for the first time, and it will still take 3 months to apply again.

8. Neither Bank of Communications nor CITIC can apply for temporary quotas. You can only wait for invitation from the bank.

9. People’s Livelihood: The first application requires holding the card for 6 months. If you wish to apply again, you need to wait for invitation from the bank.

Extended information

Temporary quotas are limited in time, usually 1-2 months. For example, the temporary quota of ICBC credit card is valid for 60 days, China Merchants Bank credit card is valid for 30 days, and Guangfa Credit Card is valid for 30 days. It ranges from 20 to 50 days, and will be paid off in one lump sum upon maturity.

There are restrictions on repayment. You cannot repay according to the minimum repayment amount, nor can you pay it in installments. When it expires, you must pay off the temporary limit that exceeds the fixed limit. Therefore, the temporary limit can be used, but you must evaluate your repayment ability. It will be bad if it is overdue. The repayment date of the temporary limit begins on the borrowing date, which is different from the credit card statement date.

The impact of temporary quota: If you use it well and repay it when it is due, the temporary quota will help increase the fixed limit. On the other hand, the temporary limit may not be conducive to increasing the fixed limit, because each bank's fixed limit increases with time intervals.

Phoenix Technology--A summary of the temporary quota application rules of 13 banks, allowing you to apply whenever you want!