If you want to restore the credit card limit after the credit card limit is reduced, you need to use the credit card continuously and steadily for two to three months, provided that your credit card has been reduced due to long-term non-use. In addition, there are the following situations:

1. Suspicious credit card withdrawals have decreased. If you didn't cash it out but the bank reduced the amount, contact the bank directly to clarify the situation. It's best to provide evidence. The bank will help you restore the amount after review.

2. Credit card downgrade due to late payment. First pay off the balance, then insist on using the card for a period of time, and then apply to the bank to restore the quota.

3. Abnormal status of credit card leads to reduction of credit limit. Go directly to the bank to delete the abnormal status and then restore the quota.

: Reasons for credit card balance reduction

1. Overdue credit card repayments: Overdue credit card repayments happen from time to time. In this way, banks are likely to lend less. If it doesn't repay the bank regularly, it won't dare lend you so much. If more than three credit cards are overdue, the bank will charge interest and late fees to the cardholders who overdue their payments. In the event that the cardholder is overdue multiple times or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior, the risk of continuing to provide revolving credit is very high, and the bank will unilaterally stop using the credit card.

2. Illegal credit card withdrawals: There are risks of illegal withdrawals or card holdings. Many cardholders pay attention to credit card withdrawals when they are short of cash flow. In fact, this is also an issue that banks are very concerned about. The card issuer will reduce the credit limit of the cardholder's credit card or suspend the use of the cardholder's credit card based on the cardholder's specific situation.

3. Abnormal credit card swiping: Account abnormality, usually occurs during "Withdrawal". If you have a large number of credit card transactions during a certain period of time, and the types are particularly concentrated, it is easy for the bank to suspect you of cashing out, or the bank believes that the credit card is risky, and believes that the credit card is risky when swiping the credit card at the POS machine, or when the system shows that the credit card has been hacked

4. Credit cards may be stolen or swiped: Credit cards are considered better than swiped cards. For example, when a person is conducting transactions in China, and suddenly one day the bank discovers that the person has stolen several foreign transactions, the bank will proactively call the customer to confirm whether this is his own operation. In order to avoid risks, the Bank can proactively reduce the credit card limit, or reduce the cardholder's credit card limit through the cardholder's application to prevent theft, or even stop using the credit card for security reasons.

5. Reduce the number of credit card swipes: If your credit card is idle for more than 5 months, the bank can easily reduce the number of credit card swipes. Credit cards that have not been used for a long time have serious security issues. For this kind of sleep card, it is also beneficial to reduce the quantity. Once theft occurs, the damage is less severe.

6. Long-term non-use after activation: If the credit card is not used for a long time, it is equivalent to a dormant card, and the limit may also be reduced. Because users apply for credit cards, even if there is no overdraft, the credit limit will occupy capital and reduce the bank's capital adequacy ratio. The hope is that cardholders will be able to recoup this cost and increase revenue by paying service fees using their credit cards and swiping their cards. If the cardholder does not use the credit card for a long time, the bank will consider that you do not need to use the card and will lower the limit for you. Lowering credit card limits is to reduce the amount of money tied up.