Refers to the bank’s temporary credit limit adjustment for credit card holders. Generally speaking, the temporary credit limit is increased. Generally speaking, if the credit card usage record is good and there are no overdue or other illegal card uses, the credit limit can be temporarily increased. The range of the temporary credit limit increase is generally controlled to X times of the fixed limit. ?

In addition, during fixed long holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank's credit card center will actively adjust the temporary limit of the credit card. Generally, the temporary limit will be increased to X times of the fixed limit for cardholders. Used during holidays. It will take approximately one month after the holiday is over to return the amount to the original fixed amount.

Extended information

Generally speaking, the credit limit is comprehensively assessed based on the information filled in by the individual when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card enjoy the same credit limit. Same amount. When the cardholder needs to use a higher credit limit within a certain period of time due to traveling abroad, decorating a new home, getting married, or having children studying abroad, etc., the bank can provide a temporary credit limit increase service.

Raising the temporary limit of a credit card allows cardholders to enjoy the convenience of swiping their cards during consumption peaks. However, the temporary limit does not enjoy revolving credit. The portion of the actual credit limit that exceeds the original credit limit will be included in the current statement. The minimum payment amount needs to be paid off in one lump sum before the payment due date.

Baidu Encyclopedia-Temporary Credit Limit

Baidu Encyclopedia-Temporary Credit Limit