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A temporary credit line is a temporary increase in the total amount of credit based on a permanent credit line to meet the temporary needs of customers. According to the bank's regulations, the general temporary increase in credit limit is 20% of the permanent credit limit and has a certain validity period. The validity period is usually 1-2 months, after which the original quota will be restored.

If you want to increase the fixed amount, you can try this:

1. Spend the credit card as much as possible

After the credit card is completed, you will pay as much as possible . Clothes, Food, Shelter and Banks will choose the stores where you can pay with your card. The more frequently you use it, the more loyal you are to your bank. The issuing bank's information system will record and tally the frequency of your credit card. With a good repayment record, you can usually apply to the issuing bank to increase your credit limit by phone or in writing, and even the issuing bank will automatically increase your credit limit (for high-quality customers with high consumption and high repayment situations) , banks are also willing to increase credit lines).

2. Use up the credit card limit as much as possible

It is best to use up the amount given by the bank every month. The monthly consumption amount of the cardholder is the main factor that the bank considers to increase. refer to. If your credit card limit is 3,000 yuan and your monthly consumption is around 1,000 yuan, the bank will consider the 3,000 yuan quota to be sufficient to meet your usage needs. If you apply for a quota increase, banks will usually not give you a quota that is too high even if you have a good credit history. If your monthly consumption is close to 3,000 yuan, the bank will understand that your credit card balance is indeed insufficient and will significantly increase its quota.

3. Do not incur late payment fees

If you do not repay your debt in time, you will not only need to pay high late payment fees, but also need to be recorded through the bank's credit system and will be recorded in the central bank's credit system. Register in the personal credit system. This will not only affect your credit card application and increase the amount of credit and spending, but it will also affect your future loans (the bank will use this when approving the loan). For important references, transactional transactions (business partners can also apply to check your credit status), even job hunting (many companies will also use personal credit as a criterion for recruitment) and many other aspects, so you hit a wall everywhere.

4. Use temporary quota appropriately

Generally speaking, you can apply for a temporary quota increase within one to three months after the credit card is opened. If you pay immediately after the temporary adjustment, the bank will think that you really have high requirements for consumption and repayment ability, so it is easy to increase the permanent quota.

Extended information:

The credit card limit, also commonly referred to as the credit card available limit, refers to the maximum amount that can be used by your credit card, which includes the credit limit (that is, the maximum overdraft limit of the credit card) limit used) and the amount deposited to the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Temporary credit limit, as the name suggests, is a temporary increase in the total credit limit that the bank temporarily increases based on the permanent credit limit in order to meet the temporary needs of customers. According to bank regulations, generally a temporary credit limit increase is 20% based on the permanent credit limit and has a certain validity period.

Baidu Encyclopedia-Credit Card Temporary Limit