Will I pay the bill when the temporary limit expires next month?

The extension of the temporary line will be returned next month. I suggest you check the deferred repayment time to make sure it is foolproof.

In addition, it is best not to postpone. Generally, there is a handling fee for extension, which is higher than the interest on online loans. Postponement or staging is not recommended.

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. The characteristic is that the temporary line has a validity period, which is generally between 1~2 months. Therefore, it is necessary to plan the funds in advance to avoid overdue.

Generally speaking, the credit limit is comprehensively evaluated according to the information filled in by the individual when applying for a credit card and the relevant supporting documents provided. The main card and the auxiliary card * * * enjoy the same credit limit. When the cardholder needs to use a higher credit line in a certain period of time because of traveling abroad, decorating a new house, getting married, and children studying abroad. Banks can provide services to increase temporary credit lines.

Increasing the temporary credit line allows cardholders to enjoy the convenience of spending during the peak consumption period, but the temporary credit line does not enjoy revolving credit. The actual credit limit of the credit card exceeding the original credit limit will be included in the minimum repayment amount of the current statement, which needs to be paid off in one lump sum before the due repayment date.

Four signs of credit card downgrade:

1. SMS reminder

Generally, banks send text messages to remind cardholders that there are risks in credit card consumption, and at the same time, they also remind cardholders in disguise that your credit card may have been controlled by the bank.

2. Credit card restrictions

When the cardholder can't use the credit card to spend normally, he should pay attention, and the next time is likely to be a reduction.

3. Temporary quotas

After the credit card is used normally for a period of time, you can increase the temporary limit, but if you don't even increase the temporary limit, you should pay attention to your usual card use behavior.

4. Staging restrictions

Banks also have risk control over staging. If you don't even increase the temporary quota, you should pay attention to your usual card use behavior.