no interest.

Generally speaking, temporary credit lines are raised. When the fixed credit limit of credit card is not enough (for example, decoration, travel, etc.), you can call the credit card center of the issuing bank and ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased according to the card use record, and the credit limit will be transferred back to the original fixed limit after the specified time.

Credit cards are used for spending, so you can spend first and then repay. Credit limit of credit card includes credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

Extended information:

Two disadvantages of the temporary credit line:

(1) The use of the temporary credit line has an impact on the promotion of the fixed credit line

This impact is mainly reflected in two aspects. On the one hand, the temporary quota is conducive to raising the fixed quota. In some banks, cardholders can apply to convert the temporary quota into a fixed quota after using the temporary quota and paying it off, which is equivalent to a disguised withdrawal.

on the other hand, some banks may not be able to raise the temporary credit card limit by raising the fixed limit. This is because there is a time interval for the promotion of the fixed credit card limit. Some banks will take up an opportunity to raise the temporary credit limit, which is not good for the promotion of the fixed credit limit.

(2) Credit investigation on the temporary limit is not conducive to applying for a new card

First of all, when a cardholder applies for upgrading the temporary limit of a credit card, the issuing bank will check the cardholder's credit investigation report once, leaving a query record. Excessive inquiry records are not conducive to applying for new cards or other loans.

in addition, the temporary limit will also be reflected in the credit report. If the temporary limit is too high, if it is rashly promoted and reflected in the detailed version of your credit report, then your short-term application for credit card, loan or credit card withdrawal from other banks will be affected to some extent.

Baidu Encyclopedia-Temporary Credit Line

Phoenix Net-Temporary Credit Card Line are two "big sinkholes", which you may not know!