1. Due to overdue behavior: you can take the initiative to contact the bank to explain the overdue situation and ensure that it will not be overdue again. It is still possible for the bank to raise your limit.

2. Idle for too long: If you don't use it often or for other reasons, put it aside. This situation will be considered as sleep card by the bank, and the card owners in sleep card will be considered as people who have no consumer demand at all, and will naturally reduce the usage quota. Just stick to it for a while.

3. Suspected of cashing out: If you don't cash out intentionally, you can negotiate with the bank. If you deliberately cash out, it is likely that the card will be blocked.