After the temporary quota expires, it usually takes a long time before I can apply for the temporary

In the case of Ping An Credit Card, the use and repayment methods of the temporary limit and credit limit are the same, regardless of whether the temporary limit expires or not, you only need to repay the loan before the last repayment date according to the monthly bill amount after swiping the card.

If you have any questions, you can click the link below to select the **customer service icon in the upper right corner of the home page - credit card or follow Ping An Bank credit card WeChat*** (paxyk95511) for consultation.

Generally, after three months, you can consult the bank credit card center for details and transfer manual services.

There are several ways to increase your bank credit card limit:

Proof of sufficient financial resources is provided at the time of card application. When applying for a credit card, you should provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car property certificate, etc., and the bank will evaluate the cardholder's assets based on these supporting materials. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit, and it will also help the cardholder to obtain a higher credit limit under approval.

Spend as much as you can. The bank will conduct a comprehensive evaluation based on the customer's past card use, and it is recommended that cardholders can diversify the types of consumption when swiping the card, such as home appliance consumption, catering consumption, supermarket shopping, etc., and try to spend as much as possible in physical stores. The credit card center of the bank will adjust the limit adjustment according to the cardholder's utilization rate and repayment record.

A good repayment record is guaranteed. After using a bank credit card to make purchases, make sure to repay the loan on time before the repayment date every month. Once overdue, not only will you pay a high late fee, but you will also have a bad credit history, which will affect your future credit card application.

Apply for a temporary quota increase. Bank credit cardholders can apply for a temporary increase in the temporary limit, and the bank will comprehensively assess the range of the cardholder's limit increase based on the cardholder's usual consumption and repayment situation. Banks will think that the need for credit cards is stronger, and it is not difficult to increase the fixed limit.

The temporary quota needs to be paid off in one lump sum, so please be careful not to incur late fees.

The bank credit card application service is basically the following methods.

If it is a China Merchants Bank credit card, the validity period of the temporary limit is subject to review, generally about 30 days, and it will automatically expire after the expiration date. If you need to extend the time limit, you can reapply after the expiration date. There is no limit to the number of applications, and each application for a temporary quota needs to be evaluated by the bank, and the result is subject to the review displayed by the system.

Continue to apply after three months.

1. Hello, when the temporary quota expires, there is no need to repay it immediately, because the validity period of the temporary quota is mainly to remind the user to use it within the validity period, and not to let the user repay within the validity period, as long as the temporary quota is used, the user can repay the loan according to the normal repayment time on the repayment date, even if the temporary quota expires, it will not affect the user's repayment, of course, return the temporary quota as soon as possible, and the user can reuse the temporary quota during the validity period, so that the user's weekly fund transfer is more convenient.

Extended information: 1. Temporary quota refers to a quota with a limited period, after expiration, the quota will automatically become invalid, and the fixed amount has no expiration date and can be used at any time. For example, Huabai temporary line and credit card temporary line have a certain time limit, if they are not used within the specified time, the temporary line will automatically become invalid, and the temporary line is generally only given to users with good credit qualifications, so having a temporary line is also a sign of good credit.

2. The scope of use of the temporary credit card limit is the same as the fixed limit. Customers can directly swipe their cards in shopping malls, department stores and supermarkets to shop, eat, entertain, watch movies, etc., as long as the POS machines in the consumer market are all available. In addition, customers can also revoke the temporary restriction, but it should be noted that the temporary quota has an expiration date, that is, the customer must use it in time within the validity period, otherwise the temporary quota will expire and the customer will not be able to use it.

The temporary credit card limit is usually valid for one month.

3. Of course, when the applied temporary quota expires and is used up, the customer can continue to apply for a new temporary quota after paying it off (some banks may limit the number of temporary quotas applied.) For example, if the number of temporary quotas exceeds the total quota stipulated by ICBC, each person shall not apply for more than 4 times per year, and the supplementary card shall be included in the cumulative number of principal cards). Once you've used the temporary credit, it's important for customers to remember to make their payments on time when their bills go up.

Keep in mind that the temporary credit card limit will be fully credited to the minimum payment on the bill, so the temporary credit limit cannot be paid in installments or as a minimum, only in full.

4. You can apply through the bank's credit card center, call the bank's customer service, mobile banking app and online banking. At present, the most convenient way is to apply through the mobile banking app. Some mobile banking will first assess the cardholder's credit card consumption and credit history, and give a pre-approved temporary limit, which the cardholder can apply for.

Take China Construction Bank as an example: you can continue to apply for the temporary quota when it expires.

1. If you need to apply for an increase in the temporary quota again, you can still maintain good card usage behavior after the expiration of the last temporary quota, and apply for the temporary quota after using the card for a period of time.

2. That is to say, after the expiration of the temporary quota, you can still continue to apply, but whether the review is approved is decided by the review system.

3. Validity period of temporary quota: The validity period of the temporary credit card limit is generally 30 days, and the longest is not more than 50 days, which is subject to the approval result of our bank. If necessary, apply for a quota adjustment through a self-service channel.

After applying for temporary quota adjustment, the review time will take up to 3 working days, and the Bank will notify you of the review result in the form of SMS, which will remind you of the amount of temporary quota adjustment and the expiration time of the validity period.

The temporary credit card limit cannot be extended and needs to be re-applied; The temporary credit limit is valid for up to 3 months, and the credit limit will automatically revert to the original limit after expiration. Once the temporary credit limit expires, the used temporary credit facility (the portion in excess of the fixed limit) will not be eligible for the revolving credit facility and will be counted towards the minimum payment amount of the latest bill, which must be repaid in one lump sum on the due date.

To apply for a temporary credit limit, the cardholder must have held the card for at least three months, and the cardholder shall call the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.

Generally, the temporary limit that can be approved by the bank will increase by about 20% of the permanent limit of the credit card, but the specific information depends on the cardholder's card records, such as the number of card swipes, the size of the card swiping amount, whether there are overdue and other bad records. Under normal circumstances, the temporary quota increase ratio of China Merchants Bank, China Guangfa Bank, China Everbright Bank and China CITIC Bank will be relatively high, and the maximum increase rate can be 50% higher than the permanent quota.

Extended information: As the name suggests, the temporary credit limit refers to the credit limit that the bank temporarily adjusts to the credit card holder, and generally speaking, the temporary credit limit is increased.

As the name suggests, the temporary credit limit refers to the credit limit that the bank temporarily adjusts to the credit card holder, and generally speaking, the temporary credit limit is increased. In the event that the fixed credit limit of your credit card is insufficient (e.g., 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, and the customer service will determine whether the credit limit can be temporarily increased for you based on your card usage records, and the credit limit will be adjusted back to the original fixed limit after the specified time.

Generally speaking, if your credit card has a good record and there is no overdue or other illegal card use, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled to several times the fixed limit.

In addition, during fixed holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank credit card center will take the initiative to adjust the temporary limit of the credit card, and the temporary limit will generally be increased to x times of the fixed limit for cardholders' holiday consumption. It will take about a month after the holiday to revert your credit back to your original fixed amount.

Credit card limit, also known as credit card limit, refers to the maximum amount of credit you can use on your credit card, which includes the credit limit (i.e., the maximum amount that your credit card can overdraw) and the amount deposited into your credit card.

The amount of any credit card is based on the effective income and asset collateral 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 collateral, that is, the higher the income and collateral, the higher the amount obtained. Therefore, the applicant must provide proof of income, provident fund and social security, and asset guarantee.

Asset collateral includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Compared with the fixed limit, the temporary credit card limit is more relaxed in terms of application conditions and application time. However, for the temporary credit card limit, the bank will also have corresponding application rules, so do you know that you can apply for the temporary credit card limit after it expires?

As long as the arrears of the temporary quota are fully repaid when the temporary quota expires, you can continue to apply for the provisional quota. Cardholders can call the bank's customer service to apply, and the bank will make adjustments according to the cardholder's credit status and card usage. The temporary credit limit is valid for up to 3 months, after which the credit limit will automatically revert to the original limit.

It should be noted that the temporary increase cannot be applied for installment, so cardholders must do what they can to achieve reasonable consumption.

How to apply for a temporary credit card limit.

2.Apply through the bank's official website;

3.Go to a bank branch and apply for a temporary credit card limit at the counter.

Summary. Hello. We'd be happy to answer that question for you. If you pay off your temporary quota after it expires, and you are not overdue or in arrears, you can still continue to apply for the temporary quota.

Hello. We'd be happy to answer that question for you. If your temporary quota expires and you pay it off, and you don't have any overdue or arrears, you can still continue to apply for the temporary Gaotan quota to use.

This is not affected, after you pay it back, but you can't apply right away, you have to wait a day or two before you can apply.

Is it not possible to apply for the temporary quota if it has not been paid off?

Yes. Will it be paid off and won't be passed?!

This is also the case.

But this situation is very low, and generally you can pass it if you apply.

Is this the case with China Merchants Bank?

Yes, that's the case with all banks now.

Okay, thank you!

You're welcome and have a great day.

If you think it helps you, please give it a thumbs up.

Evaluated. Have a great day and see you soon.

1.When the temporary credit card limit expires, it must be paid off in a lump sum on the due date. After the temporary credit expires, the temporary credit used (the portion above the fixed limit) will not be eligible for the revolving credit facility and will be counted towards the minimum payment on the latest bill.

There is a repayment limit for the temporary credit card limit. The first restriction is that you can't make the minimum payment or pay in installments. The second restriction is that it can only be repaid in full when due.

2.A temporary credit limit on a credit card is a limit that has an expiration date. The validity period is generally 1 month.

It cannot be used after the expiration date. The temporary quota is provided by the bank to meet the temporary consumption needs of customers. Generally, the temporary quota is between 10 and 50 per cent of the fixed quota.

The exact number of temporary allocations you can receive depends on your eligibility. The better the qualification, the more you get. The method of applying for a temporary quota is relatively simple.

3.Definition of minimum repayment amount: The minimum repayment amount means that if the cardholder has difficulty in repaying all the amounts due before the due date (inclusive), the cardholder can repay the loan according to the minimum repayment amount stipulated by the card issuer, but cannot enjoy the interest-free repayment period.

The minimum repayment is 10% of the purchase amount plus other payables. The minimum payment is listed on the current bill.

Extended Materials. 1.A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

**It is a card with the name of the card issuer, expiration date, number, name of the cardholder, etc. printed on the front, and a magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in a dedicated business services department, and the bank will then settle the bill with the merchant and cardholder. Cardholders can overdraft up to a specified amount.

2.Credit cards stipulated in the relevant laws of the People's Republic of China (the Interpretation of the Standing Committee of the National People's Congress on the Provisions of the Criminal Law of the People's Republic of China on Credit Cards) refer to electronic payment cards issued by commercial banks or other financial institutions. It has all or part of the functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Credit card purchases are a non-cash transaction payment method. There is no need to pay cash when you make a purchase, and you will repay the loan on the same day as you arrive at the account. Credit cards are divided into credit cards and quasi-credit cards.

A credit card refers to a credit card in which the cardholder has a certain credit limit and can repay the loan before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of small amount of cash according to the regulations, and can overdraft within the specified credit limit when the balance of the small cash account is insufficient to pay. Credit cards generally refer only to credit cards.