Are you asking why the Bank of China credit card limit is 130,000 but can only use 100,000? Credit card limits are temporarily frozen, and banks have consumption restrictions on credit cards.

1. Temporary freezing of credit card limits: Banks will temporarily freeze credit card limits. If credit card holders have overdue repayments or have other credit risks, banks will limit credit card limits in order to control risks.

2. Banks have consumption restrictions on credit cards: Banks will impose consumption restrictions on credit cards, and consumption can only be made at designated merchants or designated consumption places. This restriction will cause the credit card holder’s credit limit to be limited. .