1, less credit card. Credit cards should be used frequently, which is a major standard for increasing the amount. Card issuers can earn more fees by swiping their cards many times, and then they have the opportunity to continuously increase the quota.

2. Failure to repay the loan on time. If the repayment is often delayed, the bank will think that there is something wrong with the user's funds, so it will not increase the quota. Repayment on time is an important inspection point to increase the quota.

3. There is no big consumption. Using a credit card for a single large consumption, such as swiping a credit card to buy thousands of goods, is easy to apply for an increase in the quota immediately after approval.

4. The debt is too high. The bank will measure the cardholder's debt ratio according to the outstanding loans and credit cards shown in the credit report. Excessive debt will affect the cardholder's repayment ability and credit card limit.

It is not normal that the credit card has not been increased for three or four years. You can compare the above points to find the reason. After you know the reason why your credit card limit has not been increased, you can correct it in time, so that you can prove that you are also creating profits for the bank, and that you are a high-quality customer of the bank, and the system will give you more consumer credit.