You can ask for it first and use it when you need it. If the fixed quota of CMB credit card holders is sufficient, there is no need to use the temporary quota given by CMB. If the fixed quota of CMB credit card holders is not enough, you can consider using the temporary quota given by CMB. However, the cardholder should pay attention to the fact that the temporary quota needs to be paid off in one lump sum at the time of repayment, and there is no option of repayment by installments. Therefore, temporary quotas should be used with caution.

Temporary restrictions can be used immediately after a successful upgrade. The temporary limit used (the part exceeding the fixed limit) will be included in the minimum repayment amount of the next bill after it expires, and will 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. The use of the temporary limit will not result in the over-limit fee. There is no handling fee for applying for a temporary increase in the quota. Applying for a temporary quota requires bank evaluation, and the results may be inconsistent every time.

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What is the impact of using the temporary quota given by China Merchants Bank on the fixed quota?

Compared with the temporary quota, it is more difficult to increase the fixed quota. Using the temporary quota granted by China Merchants Bank is conducive to the promotion of quota.

In addition, failure to pay off the temporary quota in time may cause bad personal credit information. The use of the temporary line has a certain period of time, and it needs to be paid off in one lump sum, and it cannot be repaid in installments. If it is overdue, it will be recorded in the personal credit report.

2. Matters needing attention in using temporary credit line

1. The temporary line has a certain service life, so cardholders should always pay attention to it.

2. Temporary line does not enjoy the convenience of revolving credit, and needs to be paid off in one lump sum on the due repayment date.

3. Overdue repayment will charge a certain amount of interest and late fees, and will also be credited to personal credit.

4. The use of temporary credit line will not result in over-limit fees.

5. The temporary quota given by China Merchants Bank is different every time, and the bank will give a suitable temporary quota according to the cardholder's usual consumption level and repayment ability.

The biggest advantage of the temporary quota is that it can be used in an emergency. There are often card friends who don't have enough credit cards when spending. With the increase of the temporary quota, they can successfully buy their favorite goods and go home. In addition, if the fixed quota cannot be increased, the bank can feel the cardholder's demand for the quota by using the temporary quota, and the cardholders who use the card well will be improved.