1. The card has not been used for enough time to apply. Generally, bank regulations require that you apply for a temporary limit increase after using the card for at least 3 months. Many people misunderstand that "card use" refers to the time after the card is opened. In fact, the "card use time" mentioned by the bank refers to the accumulated bills for 3 months. In other words, if the card is not swiped or repaid during these 3 months, , which does not include the 3 months of card use.

2. Usually consume less. Applying for a temporary quota requires preparation, and it cannot be approved all at once. Only by swiping your card frequently and spending money in restaurants, department stores, shopping malls, hotel accommodations, travel, etc. will the bank feel that you have the spending power and will be willing to increase your credit limit. You don’t have to pay a high price to use a credit card, but you must broaden your consumption scope and accumulate consumption records.

3. There is a record of overdue repayment. On-time repayment is one of the most critical aspects of applying for a credit limit. If there is a record of late repayment a few days, resulting in overdue payment, the bank will naturally use this as a reference during review and doubt the repayment ability. Therefore, it is recommended that you always repay your loans on time and accumulate a good credit record.