The CITIC Credit Card limit of 15,000 has been used up, but the limit is only 3,000. The reasons are as follows:

1. Credit card overdraft: If you use more than your credit card limit, your limit will be reduced to The amount you owe. If you use 7,000 yuan, but your limit is only 3,000 yuan, then you may have overdrafted 2,000 yuan.

2. Bank adjustment limit: The bank may adjust your credit card limit based on your credit record, income, credit card usage and other factors. If your credit limit suddenly decreases, it may be because the bank has made adjustments to your credit assessment.