This credit card limit is mainly determined according to your usual usage and repayment. If your card is used frequently, your spending amount is large (close to or full of spending) and your repayment on time is good, it is best to pay it back in installments according to the minimum spending or not at one time (this is more helpful to establish a good credit in the bank than paying it back at one time). This will last at least one year, and it will be relatively easy to apply to the bank for an increase in the quota.

On the contrary, if your card is not used often, or your spending limit is always low (for example, less than a few hundred yuan a month), or your credit is not good, it will be very difficult to apply for an increase in the limit.