How to apply for temporary credit line of Everbright Credit Card?

The credit card of China Everbright Bank mentioned a fixed limit. How soon can I ask for temporary restrictions?

The quota is drawn once every six months. After applying for a fixed quota, the temporary quota can be withdrawn within three months. After applying for the temporary quota successfully, you can apply for the temporary quota again one month later.

So it will take three months to withdraw the fixed line first and then the temporary line. If the temporary line is withdrawn first, the fixed line can be withdrawn immediately, provided that the credit card withdrawal conditions of China Everbright Bank are met (if it can be withdrawn).

The credit limit of Everbright Credit Card is divided into temporary limit and fixed limit:

1. Apply for temporary credit line. To apply for a temporary credit line, the cardholder must hold the card for at least three months. The cardholder calls the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.

The validity period of the temporary credit line is up to 3 months, and the credit line will be automatically restored to the original one after expiration. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.

2. Fix the credit limit of the credit card and hold the card for at least six months. At the same time, the applicant needs to provide sufficient credit certification materials for review by relevant departments. It usually takes 3 working days to get the results.

Extended data:

Credit card application conditions of China Everbright Bank

1. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legally stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.

Two, the principal cardholder and the deputy cardholder share the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.

3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by a legal person to open a basic account in domestic financial institutions may apply to the card issuer for a corporate card with an account opening permit issued by the People's Bank of China.

If you apply for a++business card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.

4. When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.

Five, credit card applicants to provide security methods include guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.

6. The credit card issuer of China Everbright Bank provides the cardholder with the inquiry password and transaction password through designated channels.

7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.

References:

Baidu Encyclopedia-China Everbright Bank Credit Card

Can China Everbright Bank credit card apply for temporary quota adjustment?

The application for temporary quota adjustment of China Everbright Bank shall meet the following conditions:

1. You can apply for temporary limit adjustment after spending three consecutive orders with your card;

2. You can apply for permanent quota adjustment after spending every 6 orders with this card normally.

3. If it meets the card usage time, you can call 95595-0 to apply, and China Everbright Bank will comprehensively judge whether it can be adjusted according to your card usage and repayment.

Related knowledge:

Temporary credit line, as its name implies, is the total credit line temporarily increased by banks to meet the temporary needs of customers on the basis of permanent credit line. According to the regulations of the bank, the general temporary credit line is 20% higher than the permanent credit line, and it has a certain validity period.

Adjustment Method of Temporary Credit Line of Everbright Credit Card (Debit Card)

The credit line of Everbright Credit Card (debit card) is divided into temporary credit line and fixed credit line. Temporary credit line is easier to adjust than fixed credit line. As long as the cardholder makes good use of the card, he can apply through the following channels:

1, customer service phone number

Cardholders can directly call the customer service telephone number of Everbright Credit Card (debit card) at 400-788-8888 to apply for adjusting the temporary limit;

2. Online banking

Log in to the Everbright Credit Card (Debit Card) Center and enter the "Card Limit Management Service" to apply for adjusting the temporary limit;

3. Sunshine Hui Life APP

Log in to Sunshine Life APP and click "Quota Management" in the service column of credit card (debit card) on the card life page to apply for adjusting the temporary quota.

How to apply for temporary credit line of Everbright Credit Card?

The temporary credit line of Everbright Credit Card can be applied in the personal account interface through the mobile banking of Everbright Bank. Alternatively, after logging in to the personal online banking of China Everbright Bank and entering the "Credit Card" interface, you can apply for a temporary bank in the "Card Management" department. You can also call the customer service hotline of China Everbright Bank at 95595 or 400-788-8888, and follow the voice prompts to handle the temporary quota.

How to apply for temporary credit line of Everbright Credit Card?

1. When the credit card limit is insufficient, you can directly log in to the mobile client of China Everbright Bank on your mobile phone, and apply for increasing the temporary limit through the personal account interface of China Everbright Bank.

2. You can also log in to China Everbright Bank official website, log in to China Everbright Bank's personal online banking, and then enter the "Credit Card" interface to apply for increasing the temporary limit.

3. Call the customer service hotline of China Everbright Bank at 95595 or 400-788-8888, and follow the voice prompts to apply for temporary quota increase. You can also transfer to manual service and apply to the customer service staff for a temporary increase in the quota.

It should be noted that the temporary quota of China Everbright Bank is valid for only 45 days. If it expires, it needs to be reapplied and must be repaid in full according to the bill. You can't repay it with the minimum repayment amount, nor can you repay it in installments. The repayment amount will have interest in addition to the temporary amount itself.

Let's stop here for the introduction of the temporary credit line of Everbright Credit Card.