I believe that everyone has been to credit cards and paid attention to the credit card limit. For example, many people have only two or three thousand credit cards and want to know why. Then, why is the credit card limit only 3 thousand? This has to be analyzed slowly according to the factors affecting the quota.

Why is the credit card limit only 3 thousand?

According to the system's comprehensive evaluation of credit card verification and credit granting, combined with the applicant's credit record, personal income and other dimensions. If the credit card limit is only 3000, it is mainly because the comprehensive score is not high. There are several reasons:

1. High occupancy rate of total credit line: the central bank will give everyone a number and grant different total credit lines, and any credit lines handled in the future will be deducted from the total credit line. For example, if the utilization rate of the total credit line is too high, there will be less room for credit card credit in the future. Without a high credit line, the credit line will naturally be low.

2. Poor personal credit record: if the personal debt ratio exceeds 50% of income, or the credit record is overdue, and the repayment ability is poor, or the credit card already held is bad, it is suspected of illegal card use. Although the card can be approved, the bank will not rest assured that the amount is too high.

3. There are too many credit card agencies: that is, there are many credit card processing records of banks, which is prone to multiple credit lines and total credit lines, which is not conducive to the approval of large-value cards, so it is possible that the credit card line is only 3,000.

4. Too many online loans have not been paid off: although online loans and credit cards seem out of reach, in fact, they both have one thing in common, that is, credit information was collected at the meeting. For this reason, credit card search found so many online loan records, and each one has outstanding debts, indicating that the applicant is short of money and the loan risk is high.

In short, it is not caused by a single reason that the credit card limit is only 3000. These are all influencing factors. Therefore, if you want to set a higher credit card limit, you must face up to your credit, income and repayment ability, and improve it in time if you find any deficiencies.