Many bank credit card APPs have buttons to increase the limit. However, if you click to increase the amount, it will prompt "I already hold credit cards in other banks with a higher aggregate limit." In this case, there is no way to increase the amount smoothly. You must solve the problem of high credit card aggregate limit before you have the opportunity to increase the limit. Today, let’s take a look at this article’s analysis of “Can I still increase my credit card limit if my credit card aggregate limit is high?”

Can I still increase the limit if my credit card aggregate limit is high? No, the total credit limit granted by the central bank to each person is limited. Once the credit limit occupied by credit business handled by other banks is too high, there will be no room for an increase. The total credit limit needs to be lowered. This method is a lot of. Many people think that this can be achieved by canceling the card. On the one hand, canceling the card can reduce the number of credit institutions, and on the other hand, it can release the occupied credit limit. It seems to be killing two birds with one stone, but it is not necessarily more applicable, especially if the credit card has been overdue. It doesn't work. Furthermore, it may not be possible to cancel a credit card later, let alone reach the previous limit, so it is better to cancel the card with caution. It is best to increase the total credit limit by improving personal credit conditions. After all, the total credit limit depends on each person's credit conditions and will be adjusted as the credit conditions change. For example, if someone buys a car or a house, there will be a certain amount of credit limit. assets and economic strength, the central bank will increase the existing total credit limit, and the room for increase will be released. On the contrary, if the credit conditions have declined, for example, many new loans and credit cards have been added, the personal debt ratio has increased, and the income has not increased, the total credit limit will be reduced, and the aggregated limit has not been reduced, and there will be even less room for increase. , naturally it is not possible to raise the amount smoothly. As for how to improve qualifications, in fact, they all remain the same. One is to maintain a good credit record, the other is to increase personal income and assets, and the other is to maintain a low debt ratio. If you do these three things well, your qualifications will naturally improve. It's getting better and better. The above is the relevant introduction to "Can I increase the limit if my credit card aggregate limit is high?" I hope it will be helpful to everyone.