Hello, 1. After the successful upgrade, temporary lines can be used immediately. The temporary line used (exceeding the fixed line) does not enjoy the convenience of circulating credit, and must be paid off in one lump sum on the due repayment date. The specific repayment amount is subject to the bill. If the account is not paid off on time, interest will still be charged. 2. The use of temporary line will not result in over-limit fees. 3. There is no handling fee for applying for temporary increase of quota. 4. Applying for the temporary quota requires bank evaluation, and the results may be inconsistent every time.

You can make the minimum repayment first. Minimum repayment amount of credit card =65438+ 00% of all general transactions in the credit card account+100% of all outstanding installment transactions in the account+100% of the unpaid part of the minimum repayment amount in the previous period+100% of all the funds used in excess of the credit limit of the account.

The minimum repayment amount refers to the minimum monthly repayment amount of a credit card, which is displayed on the bill of the credit card in the current month. If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final repayment date, without affecting your personal credit, but you can't enjoy the interest-free repayment period. All consumption in the current period will bear interest from the bookkeeping date, with a daily interest rate of five ten thousandths. (Repay in full and on time, and you can enjoy an interest-free period for spending by credit card. )

If the cardholder fails to pay off the minimum repayment amount of the previous bill before the due repayment date (inclusive), our bank will collect the corresponding late payment fee according to the credit card regulations of China Merchants Bank. The late payment fee is calculated at 5% of the minimum outstanding amount of the credit card, and the minimum charge is RMB 65,438+00 or USD 65,438+0 yuan. At the same time, all consumption in the current period will be charged with interest from the bookkeeping date, with a daily interest rate of five ten thousandths.