I believe that many friends now have a credit card of their own. Credit card limit is a common topic for every cardholder, because they always feel that their limit is not enough, and it takes time to apply to increase the fixed limit of the credit card. In comparison, there is also the possibility of failure. Therefore, many friends will apply for a temporary limit from the bank when their credit card limit is not enough. So, how much do you know about the temporary limit of your credit card? Let’s take a look with the editor below.

1. How long does it take to apply for a temporary quota from a general bank?

Before knowing how long it takes to apply for a temporary quota, let’s first understand the application conditions for a temporary quota. Although the conditions stipulated by different banks vary, most banks require cardholders to use the credit card for more than three months and have no malicious non-repayment record before they can apply to the bank.

If you meet the above conditions, you can apply through online banking, mobile banking, telephone, credit card service center and other channels. As for how long it takes to apply for a temporary bank limit, each bank is different. Some banks can complete the approval in ten minutes, while others may take several days, so it is best to know when you need to use your credit card. Apply to the bank one week in advance.

2. How to apply for a temporary credit card limit

1. You can apply at the bank's credit card center. This method requires you to bring relevant proofs of assets, income, etc. to the credit card center for processing. Because there are many customers doing business at the bank's credit card center, if you are unlucky, you may have to wait for an hour or two, so the delay will be relatively long.

2. Call the bank customer service. Call the bank's customer service, just follow the customer service prompts to verify the information and answer the customer service's questions to complete the entire application process, which only takes a few minutes. Therefore, compared with other methods, the procedure of this method is relatively simple, and it is widely liked by card friends so far.

3. Log in to mobile banking to apply. This method is faster to apply for a temporary credit card limit, usually within a few minutes. Mobile banking first evaluates the cardholder's credit card consumption and credit history, etc., and then pre-approves the temporary limit. If the cardholder agrees, the application for the temporary credit limit is completed.

4. Apply through online banking. It is not that convenient to use online banking to perform some credit card operations, so there are still relatively few people using online banking to apply for a temporary credit card limit.

3. Is there a time limit for applying for a temporary credit card limit?

According to bank regulations, you can apply for a temporary credit card limit again as long as you have a record of repayment of the previous credit card temporary limit. This means that, under normal circumstances, if you have paid back the last temporary limit and the comprehensive score meets the requirements, then the success rate of applying for a temporary limit for a credit card again is relatively high. However, the prerequisite is that the temporary credit limit has expired before applying again, otherwise there is no need to apply again.

IV. Things to note when applying for temporary quota

1. How much temporary quota can be withdrawn. Banks also have an amount limit on the increase of the temporary limit. Generally, the maximum limit is half of the original amount. If your credit card's original limit is 80,000 yuan, then you can apply for a temporary limit of up to 40,000 yuan. If it exceeds 40,000 yuan, Yuan, you may not be able to apply.

2. The period of temporary quota. The period of temporary quotas also differs between banks. For example, the Agricultural Bank of China only has two months, which means that two months after you successfully raise the quota, it will automatically return to the previous quota. If you want to extend the period of the temporary quota, you will have to wait until the temporary quota period expires before you can apply again.

3. Repayment method of temporary limit. When applying for a temporary limit from a bank, it is necessary to understand its repayment method, because the temporary limit of some banks must be repaid in one go, while some banks can repay in installments. If you are not clear about this, it will easily lead to overdue repayment, so Be sure to check with the bank before withdrawing the amount.