Under normal circumstances, cardholders hope that the credit card limit in their hands will be higher and higher, and banks do not advocate that cardholders reduce the limit in their own name. To put it simply, except for the initiative of the bank, cardholders generally apply for withdrawal. So, how do credit cards reduce the credit limit? How to reduce the credit limit of credit card? Cardholders need to understand that in order to actively reduce the quota, they can only call the official customer service phone number of the issuing bank to apply. In addition, cardholders can reduce their credit limit by not using credit cards for a long time. For long-term unused credit cards, banks will take relief. If you don't use it for a long time, you can decide whether to continue to hold the card according to the cardholder's own situation. If it is really useless, you can apply for cancellation of your credit card. The above is all the contents of this article about how to reduce the credit limit of credit cards, and the methods are as follows, hoping to help everyone. If you want to increase the quota after successfully reducing the quota, you can withdraw cash by credit card and repay it on time, so as to restore the quota as soon as possible.