As we all know, the credit card quota is not fixed. Generally, the credit card application platform will comprehensively evaluate the billing date every June to adjust the quota. However, some card friends often use credit cards for a period of time, and the amount has not been improved. So, what's wrong with the credit card not increasing the limit? It may be these reasons!

1. Failing to maintain good credit qualification. Many banks will inquire about users' credit qualification when raising the amount, and find that users' credit qualification is poor, so they will not easily raise the amount for them. This shows that users are not trustworthy, and their willingness to repay is not strong, so they need to bear more risks if they give too high a quota. Therefore, users must pay attention to maintaining their personal credit qualification.

2. Failure to maintain reasonable liabilities. The bank will measure the user's debt ratio according to the outstanding debt of the loan/credit card shown on the credit report. Too high debt will affect the repayment ability of the card holder. As long as the user's debt ratio exceeds 5%, it will increase the user's borrowing risk, and it is difficult to increase the quota.

3. No contribution to the bank. Contributing to the bank will increase the personal comprehensive credit, which is also the key to increase the quota. If you use it without increasing the quota, you can make some contributions in stages, preferably when the bank calls to invite the withdrawal. As a result, the chances of increasing the quota are relatively large.

4. I didn't swipe my card properly. First of all, we must know that credit cards can only be used for daily consumption, so users must standardize credit card swiping, such as using credit cards to make false transactions to obtain cash, which is not desirable and is easily subject to bank risk control. Secondly, users need to use their cards frequently, so that banks can understand their spending power and demand for credit lines.

In short, if you want to increase the credit limit of a credit card, you need to spend more on it, and the other is to standardize the use of the card, and the credit conditions are too high. After mastering these skills, it is easier to increase the credit limit. However, users should not blindly pursue high quotas, and make reasonable loans according to their own needs and repayment ability, so as to avoid the occurrence of bad situations such as overdue. In addition, in the process of using credit cards, users should pay attention to maintaining good card use behavior and paying back in full and on time, so as to maintain their personal credit qualifications and increase the credit card limit.