Why does my CMB credit card always give a temporary limit?

Every bank has its own rules of the game. On the premise of normal credit card swiping, China Merchants Bank is diligent in giving customers temporary quotas. The more frequently you use land, the more frequently he gives it. At the same time, if your debt is not high and your repayment is timely, the high probability temporary line can be converted into a fixed line. It can be said that this is one of the characteristics of China Merchants Credit Card.

The bank gives you a temporary line for you to spend. Once you spend it, the bank will make a profit.

If you use temporary quota, your fixed quota will be more difficult to increase, so use it with caution!

All credit card consumption has a handling fee, which is also a key point that many places are unwilling to accept credit card consumption, because merchants have to charge a handling fee for each credit card.

Giving you a temporary quota in a short time will make your consumption quota soar, which is not conducive to rational planning of consumption. If you can't repay the loan within the prescribed time limit, the bank will advise you to divide it into stages, and there will be higher handling fees and interest after the stages. In fact, it is completely unnecessary.

You must keep the good habit of increasing the fixed amount with your card.

If you want to increase the fixed amount, I suggest you swipe your card where you can. Don't care about the amount, don't bother, use the card many times and repay on time. The rate of increase is still very fast.

For the use of credit cards, it is suggested that we must live within our means, don't overspend blindly, and try not to use them in installments, because it is difficult for people to control their consumption desires. Once staging occurs, other expenses will be incurred. Credit cards are born for convenience, and it is meaningless to generate other extra expenses.

If you don't need money urgently, you'd better not choose a temporary quota, even if the bank gives it, don't accept it, because once it is accepted, it is impossible to increase the permanent quota within the validity period of the temporary quota. The best way to increase the permanent limit is to swipe more cards, pay back in time and keep good credit card habits. The habit of using credit cards is very important. As long as you can swipe your card, you should choose to swipe your card Don't bother if the quantity is too small. Keep the habit of swiping cards at high frequency. No need for a big brush. It is best to swipe your card in supermarkets, restaurants, shopping malls and other consumer products. You don't need to swipe your card at all, but you can swipe your card at 50%_70%. Personally, high frequency is the key.

I want to share my recent increase, hoping to help you. I use my Agricultural Bank Jinsui card, with a limit of 2.5w, about 6k per month, but the frequency of swiping the card is very high, ranging from ten yuan, dozens of yuan and hundreds of yuan every day. After four months, I raised my permanent limit to 3.5W Although I didn't mention it much, it shows that the card strategy is correct. At present, I am trying to work in Yin Hua Runtong.