The credit card temporary limit cannot be repaid immediately upon expiration. The validity period of the credit card temporary limit refers to the period during which the temporary limit can be used. If the limit exceeds the validity period, it will automatically return to the level before applying for the temporary limit. For credit card temporary limit, The validity period of the credit limit varies from bank to bank, generally ranging from 1 month to 3 months. The consumption amount of the temporary limit is also repaid on the repayment date. It should be noted that the temporary limit of the credit card cannot be installment or use the minimum repayment. The cardholder needs to pay it off in full before the due repayment date, otherwise it will There are high late fees and interest.

According to the rules for using the temporary credit card limit, the credit card needs to be repaid immediately when the temporary credit limit expires. In addition, the temporary credit card limit cannot be repaid according to the minimum payment amount and can only be paid off in full. Users need to understand that the validity period of a credit card's temporary limit refers to the period during which the temporary limit can be used. If the limit exceeds the validity period, it will automatically return to the level before applying for the temporary limit.

Solutions to overdue credit cards:

1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, during the final repayment period Before arriving, cardholders are advised to proactively call the bank's credit card center to state their financial situation, affirm that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record. However, it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.