Each bank's credit card business department has its own evaluation index system, because different banks have different evaluation priorities, and sometimes the credit card quota of the same applicant in different banks will be very different. But generally speaking, the credit card applicant evaluation system of each bank is to judge whether the applicant has the corresponding repayment ability. So if your credit card limit is not ideal, it may be that your credit card application materials are insufficient. If you have a good credit in the process of using a credit card and show the need to increase the limit, you can get an increase in the limit.

The credit card of Bank of Communications is quite special and cannot support my application for increasing the quota. Bank of Communications will evaluate your credit card usage records every two quarters, and reaching the standard of increasing the credit limit will automatically increase your credit limit. So, if you want to increase your credit limit, you need to use this credit card for more spending. Generally speaking, credit card spending should be at least 10 times every month, and the spending amount should account for more than 30% of the credit card limit. At the same time, consumption types should be diverse. Those who meet the quota standard can be increased by 20%~50% at one time, and the maximum can be increased by 100%, and the quota of 3,000 yuan can be increased to 6,000 yuan.