Experts suggest that if the credit card limit is reduced, you should immediately choose to cancel the account in full, because once you enter the bank's risk control black box, it is basically difficult to return to the original point, and it is difficult to get the bank's limit again. After closing the account, don't apply for the bank's card for half a year. After half a year, apply again, get a new identity, get a new card, and get a higher credit limit.

Some cardholders will also suffer "accidental injuries" from banks. In case of "accidental injury" by the bank, the cardholder can immediately call the customer service staff of the Credit Card 95508 Center of Guangfa Bank to explain the consumption situation and submit relevant invoices or proof of purchase. Under normal circumstances, the normal limit can be restored.

Extended data:

Credit Card Limit of China Guangfa Bank-Description of Credit Limit

1. Author's name or source note

Credit line, also known as comprehensive credit line, is the credit line approved by Guangfa Bank according to the information provided by customers when applying for credit cards and their credit status.

2. Comprehensive credit line and single card line

Single card credit limit refers to the maximum credit limit that you can recover from a single credit card, while comprehensive credit limit refers to the total credit limit of customers, and single card credit limit is affected by comprehensive credit limit.

For example, a customer holds two Guangfa credit cards, and the credit limit of each card is 654.38+00000 yuan, and the comprehensive credit limit of the customer is 654.38+00000 yuan. If one card has been overdrawn by 654.38+00000 yuan, the other card will not be overdrawn.

3. Introduce "using consumption quota" and "not using consumption quota" in stages.

Staging can be divided into two situations: using consumption quota and not using consumption quota (including: single installment, bill installment, financial installment and mail order installment). It will be reviewed according to the past card use, asset status and installment business amount. Whether to use the consumption limit shall be subject to the bank's examination.

(1) Usage and consumption limit: refers to the "credit card account limit" of installment principal, which will be released with each installment repayment.

(2) No consumption limit: according to the comprehensive qualification of customers, part or all of the installment principal will not use your credit card account limit, and the repayment amount of each installment (including installment principal and handling fee) will be automatically included in your monthly credit card bill arrears, which is convenient for customers to consume.

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China Guangfa Bank-Help Center-Credit Card Limit-Limit Description