On the one hand, it is greatly influenced by the types of cards. The vast majority of koala co-branded credit cards belong to small shopping credit cards, and it is normal that the amount is lower than that of ordinary cards.

Secondly, the credit card amount depends largely on the credit score and repayment ability of the cardholder. If the cardholder's credit score is low or his repayment ability is insufficient, the credit card limit will naturally be reduced according to his personal situation.

Skills to improve the quota:

First, continuous and frequent credit card consumption;

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for banks to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal;

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, insist on application and seize the opportunity of application;

For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threatening to use the cancellation card or suspend sleep;

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.