As mentioned above, credit card splitting fee is the main source of income for banking business. The bank encourages cardholders to split up, and they make a lot of money. Especially for cardholders with good card conditions, it is easy for banks to increase the credit card quota, especially China Merchants Bank, and the success rate of installment payment is very high.

2. Staging is too frequent and may be reduced.

To increase the credit card limit, banks should first consider the repayment ability of cardholders. A generally stable card and repayment situation are the prerequisites for increasing the quota. But the cardholder's repayment ability may not be very good. Because it is necessary to ease the repayment pressure through segmentation, it is impossible to increase the amount through segmentation.

As a result, banks attach importance to the safety of funds, and cardholders' repayment ability cannot be easily improved. In order to avoid risks, the cardholder's credit card limit can be reduced.

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