if the limit is less than 2%, the bank will feel that you have certain consumer demand, and at the same time, the bank will judge that your financial situation is good, and the debt situation reflected in the credit report is also relatively good, which is very helpful for your credit card withdrawal.

Because if your credit card is often in a blank state, then the bank has reason to suspect that you are cashing out with your credit card, so even if you don't cash out, you will face the risk of reducing the amount or even blocking your card.