The ways to increase the credit card limit are as follows:

1. Frequently swipe the card to increase the consumption limit. In daily consumption life, develop the habit of swiping credit cards to pay. Regardless of the amount, the average amount is more than 10 per month. It is easier to raise the amount if it reaches more than 20;

2. The types of consumer merchants should be diversified. It is recommended that cardholders make more transactions with their cards at merchants with points;

3. Apply for an increase in the temporary limit. Temporary adjustment is just a supplementary method. It takes effect quickly and expires quickly. Pay attention to the timeliness.

What are the reasons for the reduction of credit card limits?

The reasons for the reduction of credit card limits are as follows:

1. Active reduction. In order to prevent risks such as being stolen or swiped, users actively ask banks to reduce their balances;

2. Various illegal cash outs such as online cash outs. When using Taobao websites, transactions are frequent, large amounts are traded, virtual goods are traded with fixed merchants, etc.;

3. Overdue credit cards. If the credit card is overdue for more than 60 days or even maliciously fails to repay the credit card, in addition to reducing the credit limit, the card may be suspended, added to the blacklist, etc.;

4. The credit card will not be used for a long time. Banks have regulations that may reduce the credit limit of credit cards if they are not used for a long period of time.

Legal basis: Article 22 of the "Measures for the Administration of Bank Card Business"

The card-issuing bank will impose penalties on credit card holders who have not repaid the minimum repayment amount and who have exceeded the credit limit. For any behavior, late payment fees and over-limit fees shall be charged based on 5% of the unpaid portion of the minimum repayment amount and the portion exceeding the credit limit respectively.

Article 41

The card-issuing bank shall carefully examine the credit card applicant's credit status, and determine effective guarantees and guarantee methods based on the applicant's credit status. Card-issuing banks should regularly review the credit status of credit card holders and adjust their credit limits based on changes in credit status.