CCB took the initiative to send a text message to mention the temporary quota. Why does CCB always ask me for a temporary quota?

Cardholders who have applied for a credit card know that the credit limit of a credit card is divided into a permanent limit and a temporary limit. For cardholders, if you withdraw a credit card, the first choice is of course a permanent limit. When a friend consulted, CCB took the initiative to send a text message to propose a temporary quota. Why does CCB always give users a temporary quota?

CCB took the initiative to send text messages to increase the temporary quota. Why does CCB always increase the temporary quota for users?

CCB will generally conduct a comprehensive evaluation of the personal qualifications of cardholders after they have used their credit cards for six months. If the cardholder has a good habit of using the card and good personal credit information, a short message will be sent to invite the cardholder to increase the temporary credit limit.

After upgrading the temporary quota, if the cardholder "runs out of his own quota, and then repays the minimum quota in installments after running out of the temporary quota", CCB will re-evaluate the cardholder's personal qualification and consider whether to adjust the temporary quota to a permanent quota.

If the cardholder finds that CCB has been increasing the temporary credit card limit instead of adjusting the permanent credit card limit, it may be because CCB believes that the cardholder's personal qualifications are excellent, but the repayment ability is still lacking. Therefore, on the one hand, in order to increase profits, on the other hand, in order to ensure the safety of funds, CCB will only increase the temporary quota for cardholders.

If the cardholder needs a temporary limit, he can choose to accept it. If the cardholder does not need it, he can choose to refuse. It depends on your actual situation. If it is really unnecessary, it is recommended not to accept it, so as not to cause greater economic pressure on yourself.

The above is the related content sharing of "CCB takes the initiative to send SMS to withdraw the temporary quota", hoping to help everyone!