Many small partners have the problem of insufficient credit card limit, but at the same time, if they want to apply for a fixed limit, their qualifications can't meet the needs of banks. In order to help everyone solve this problem, the bank specially launched a temporary quota. Compared with the fixed quota, the application for temporary quota is much less difficult, and many small partners can apply successfully. But some users found that the temporary credit card limit was gone. What happened? It may be caused by this reason!
Literally, the temporary quota is called "temporary" because it has a term of use, most of which is about one month. Therefore, when the use period is reached, the bank will withdraw the quota, and everyone will find that the quota in their credit cards has decreased, but the fixed quota will not change. If you still need to use the temporary quota in the future, you can apply with the bank again, or apply for an extension with the bank when the temporary quota is about to expire. As long as there is no bad card use behavior in the previous use process, the possibility of extending the temporary limit is still very large. However, we should understand that there is no minimum repayment and installment repayment for the temporary quota, and it must be settled in full after use, so the small partners who do not have enough repayment ability must use it with caution.
In order to stimulate users to use credit cards to overdraw their spending, many banks will take the initiative to issue temporary credit lines to cardholders, which can be seen on official website. However, some small partners have found that their original high temporary quota has suddenly disappeared. This problem is probably due to bank risk control. In the past period of time, there have been sensitive card-using behaviors, such as overdue credit cards, illegal cash withdrawal, spending by swiping cards at sensitive merchants, etc., which may touch the bank's risk control system and lead to credit cards entering the bank's highly concerned list. In order to ensure the safety of internal funds, banks will withdraw temporary quotas, and serious users will even affect fixed quotas.
In fact, we should treat the temporary quota rationally and use it according to our actual situation.