Can be restored.

The credit card limit is reduced because the user does not repay in time after consumption. The bank's credit to the user is reduced, so the user's credit card limit will also be reduced. The way to increase it is for the user to swipe the card more and spend more, and then repay it in time. The bank will re-evaluate the user's credit worthiness and increase the user's credit card limit.

Specific ways to increase the credit limit:

1. Call the card issuer and ask for a temporary increase in the credit limit, but the maximum limit that can be increased is 20% of the current credit limit.

2. If you use the card frequently, it is best to use up the limit frequently, so that the bank will know that the limit is not enough.

3. Repay the loan in full and on time, which shows that you have good repayment ability, which is a prerequisite for raising the amount.

4. Use less revolving credit, that is, use less of the minimum repayment amount for repayment. 4. Eliminate bad card use records, and repay on time. If you cannot repay in full, you must repay the minimum repayment amount on time and pay interest. .

Extended information:

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security.

Every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you use the over-limit limit, it means you have to pay a high amount. Over limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards.

Therefore, apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

Baidu Encyclopedia-Credit Card Limit