The credit card balance expires.

The temporary credit card limit has expired. How long will it take to reapply after returning it?

The time limit for temporary credit card is up, and you can apply immediately after repayment.

Temporary credit line application, the temporary credit line application requires the cardholder to hold the card for at least three months, and the cardholder calls the bank customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.

The temporary credit line is valid for up to 3 months, and your 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.

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 temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration.

The credit limit of permanent credit card needs 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.

The temporary credit line of China Merchants Credit Card has expired. Do you need to return it right away?

It needs to be returned immediately. The temporary credit line of China Merchants Bank's credit card must be paid off immediately after it expires. There are repayment restrictions on the temporary credit line, and the temporarily increased credit line after expiration will be reflected in the minimum repayment amount. Priority will be given to the temporary credit line when repaying, and this part cannot be repaid by installments. In other words, after the temporary line expires, the temporary line used does not enjoy the convenience of revolving credit, and the minimum repayment amount included in the latest bill must be paid off in one lump sum on the due repayment date.

After the temporary credit line of China Merchants Bank expires, you can reapply as long as the temporary credit line used before is paid off. The temporary credit line of China Merchants Bank is valid for 30 days. After applying for a temporary credit card limit, if you don't continue to use it or apply for a temporary credit card limit, the ordinary credit card limit will be automatically restored to the original limit.

The temporary line used by China Merchants Bank's credit card does not support installment repayment. Even if the user chooses the minimum repayment amount, the amount used will be fully included in the minimum repayment amount. If you choose to repay by installment, the temporary amount used will not be included in the installment amount, so this part of the amount always needs to be repaid in full.

Of course, since the temporary quota cannot be repaid in installments or the minimum repayment amount, users need to control the consumption quota and be careful not to exceed their repayment ability.

The temporary credit line of China Merchants Bank is about to expire. If you want to apply for extension, log in to Palm Bank App (version APP(2.0.0) in iPhone 13 mobile phone iOS 15.0, and click "Adjust credit line" to see if there is an option to adjust temporary credit line. If yes, click "Adjust Credit Limit" to apply for additional credit limit or extension.

If it is not displayed, you cannot apply for an extension. Of course, customers can also wait until it expires before reapplying. You can apply for the temporary credit line of China Merchants Bank at any time when necessary.

The method of applying for temporary credit limit by China Merchants Bank's credit card is as follows:

Download and log in to China Merchants Bank App (V. 10.0) on iPhone 13 mobile phone version iOS 15.0, log in to my page, click Personal Consumer Credit Card-Credit Line-Temporary Line to enter the temporary line adjustment page, enter the required temporary line amount, click Send Verification Code, then enter the verification code obtained by mobile phone, and finally click Submit.

In addition to applying on the app, you can also apply for a temporary quota by calling the service hotline of China Merchants Bank or directly going to the business outlets of China Merchants Bank.

The temporary credit card limit has expired. How long will it take me to apply?

The time limit for temporary credit card is up, and you can apply immediately after repayment.

Temporary credit line application, the temporary credit line application requires the cardholder to hold the card for at least three months, and the cardholder calls the bank customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. The temporary credit line is valid for up to 3 months, and your 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.

Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased. When the fixed credit limit of your credit card is not enough (such as 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. The customer service will determine whether the credit limit can be temporarily increased for you according to your card use record, and the credit limit will be transferred 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 use of the card, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled at X times of the fixed limit. In addition, on Christmas, New Year's Day, Spring Festival, Eleventh and other fixed holidays, the bank credit card center will actively adjust the temporary credit card limit. Generally, the increased temporary credit limit is x times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota about one month after the holiday.

Relationship limit: if ICBC has more than two credit card users, it actually uses a higher credit card limit, and the credit card with a lower credit limit actually uses a higher credit card limit. If you swipe a credit card with a lower credit limit, not only the credit card with a lower credit limit will be deducted, but also the credit card with a higher credit limit will be deducted accordingly. Generally, ICBC informs the card amount, but due to the influence of the relationship amount, the actual cardholder can't use the card amount, so the relationship amount. For example, ICBC has two cardholders' cards, one with a quota of 3,000 yuan and the other with a quota of 10000 yuan. After the cardholder spends 3,000 yuan on a card with a limit of 3,000 yuan, the card only has a limit of 0 yuan, and another card with a limit of 10000 yuan has also been reduced by 3,000 yuan, leaving a limit of 7,000 yuan. This is the so-called relationship limit.

* * * Credit limit: that is, the credit card holder applies for multiple credit cards of a bank, and the credit limit of these credit cards is * * *. If the cardholder swipes one of the credit cards, the credit limit of other credit limits will be reduced accordingly. Account: China Industrial and Commercial Bank has a total credit line for credit card holders. Accounts within the total credit limit are set to be associated together, and all credit card accounts of credit card holders are called associated accounts. After an account is associated, it is called an associated account, also known as a relational account. The computer will set a certain formula first. After entering certain conditions, the computer program will automatically use up the borrower's points. As long as it reaches a certain point, it will know the applicable credit limit and interest rate. The results are fixed and cannot be changed by individuals. Only by improving the borrower's conditions and recalculating the points can the credit limit be increased.

Temporary credit line application, the temporary credit line application requires the cardholder to hold the card for at least three months, and the cardholder calls the bank customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. The temporary credit line is valid for up to 3 months, and your 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.

Do I have to pay off the temporary credit card limit when it expires?

When the temporary credit line expires, it needs to be paid off in one lump sum, and repayment is limited. First, you can't repay according to the minimum repayment amount, nor can you repay in installments. Second, it can only be paid off after it expires.

The repayment time of the temporary credit card limit is before the final repayment date of the current bill and cannot be included in the minimum repayment amount and installment amount. The temporary credit line used needs to be fully repaid. The temporary credit card limit does not need to be repaid on the same day, and the latest repayment time is before the last repayment date of the current bill. If the cardholder repays the loan on time, it will not be deemed as overdue and will not generate additional overdue interest. Temporary credit card line refers to the temporary credit line granted by the bank on a fixed line to meet the temporary overdraft consumption demand of cardholders. The amount of temporary limit is determined by the bank's comprehensive cardholder qualification and credit card demand, which is generally 20%-30% of the fixed limit. The validity period of the temporary line is between 30 days and 45 days, and the temporary line cannot enjoy revolving credit, so it is different from the fixed line in repayment.

3. Temporary credit line of credit card does not enjoy revolving credit. The temporary credit line that actually exceeds the original credit line will be fully included in the current credit card bill, which can neither be included in the minimum repayment amount nor in installments. In short, the temporary credit card limit must be fully paid off when it expires.

Generally speaking, the term of temporary credit line is usually 1 month. The increased amount is generally 20% to 50% of the existing amount. However, different banks have different specific regulations. It is worth noting that if the bank has recently taken the initiative to increase the cardholder's permanent quota, the bank will not temporarily increase the quota again.

Repayment method of temporary credit card limit:

Bank staff said that customers can bind the credit card and debit card of the same bank, and the bank will automatically deduct the amount that should be repaid in the current month from the customer's debit card on the repayment date.

In addition, most third-party payment platforms such as Alipay, Tenpay and Kuaiqian can also make credit card repayments. Although you can receive repayment messages from the bank every billing day, some people always forget to repay on time because of their busy daily work. In this case, the bank provides cardholders with a "tolerance time service" with a certain limit and grace period. Consumers can call the credit card customer service number and apply to the customer service staff for extending the repayment period. It's just that cardholders need to pay attention to the arrival time of the bank and leave enough time for the funds to arrive.

Credit card temporary limit validity period

The validity period of the temporary credit card limit varies from bank to bank, so you'd better ask clearly when applying for the temporary credit card limit. There may be differences between different cards, which we need to pay attention to. The validity period of the temporary line of the four major banks: ICBC credit card: the validity period of the temporary line is 60 days, and there is no limit on whether it can be withdrawn after the expiration, depending on the audit results of ICBC. Agricultural Bank of China Credit Card: The temporary quota is valid for 60 days, and it takes 3 months to reapply after the expiration. China Bank Credit Card: The temporary limit is valid for 60 days, and you can continue to apply after the expiration. CCB Credit Card: The use period of temporary credit line is relatively long, which can reach 90 days, subject to bank review.

Validity of other bank limits

China Merchants Bank Credit Card: The temporary limit is valid for 30 days. Generally, the temporary limit is high. A fixed limit of 60,000 can give a temporary limit of 654.38+0.5 million.

Bank of Communications Credit Card: The temporary credit line is valid for 60 days, and the withdrawal range is high, reaching 60% of the credit line.

Credit card of Guangfa Bank: The validity period of the temporary line varies from person to person, ranging from 20 to 50 days.

Industrial Bank Credit Card: The temporary limit is valid for 30 days, just like most bank credit cards.

What should I do if the temporary credit card limit expires?

If the temporary credit card limit is not reached, it will be considered overdue. The issuing bank will charge credit card interest from the due repayment date or the next day, generally 0.5 ‰ of the daily interest, and charge a late fee of 3% of the unpaid amount. In addition, it may also affect personal credit records and cause bad credit records, which is not conducive to applying for loans such as mortgages in the future. Therefore, when the temporary credit card limit expires, it should be paid back as much as possible, and it must be paid off in one lump sum on the due repayment date. \ \ Temporary credit extension application method:. Telephone application: the cardholder can call the customer service hotline of the issuing bank to apply for increasing the temporary credit line, and the issuing bank will review it according to the cardholder's credit record and card usage to meet the cardholder's consumption demand as much as possible. Personal online banking application: cardholders can also log in to the issuing bank's credit card online banking to apply for adjusting the temporary credit card limit. Wechat application: A number of banks have opened the official WeChat platform for credit cards, providing credit card withdrawal services, and cardholders can apply for increasing the temporary credit card limit through WeChat. \ Under normal circumstances, as long as the cardholder has not overdue repayment and has a good habit of using the card, the application for temporarily increasing the limit will be approved.

That's enough for the introduction of credit card expiration.