When using a credit card, the cardholder should pay attention to setting aside a certain amount. According to the feedback from the bank staff, about 20% of the credit card limit is the best. Leaving 20% means that the amount demanded by the cardholder is almost the same as that given by the bank, but it is only 20% more, indicating that the cardholder is not a "moonlight family". This will help cardholders improve their credibility in the bank.
In real life, cardholders can take the initiative to apply for withdrawal within more than three months after using their credit cards. Many cardholders don't have a high initial limit, but because of long-term use of credit cards and timely repayment, banks will take the initiative to increase the limit for cardholders.
Many users have some concerns when using credit cards. If you don't use credit cards often, or if a large part of the balance is not used up every month, banks will feel that they don't need so much money to deposit cards. If the cardholder frequently uses the credit card and swipes the credit card limit once a month, the bank may directly reduce the limit to ensure the safety of funds.
However, it is worth noting that if the credit card limit given by the bank to cardholders is too high, then the income of cardholders will exceed them. It is suggested that cardholders must not blindly consume and avoid taking on a large amount of debts, which will lead to excessive repayment pressure and even overdue repayment.