The first possibility is that the credit card is less swiped. Banks issue a certain amount of credit cards to cardholders in the hope that cardholders can earn corresponding transaction fees through credit card consumption. However, if the cardholder has been idle for a long time after activating the credit card, or the credit card limit for each period is very small, the bank will think that you have no demand for the credit card at all and will reduce the credit card limit for you. The second possibility is that credit card cashing is recognized by banks. When you swipe your card on a POS or use a Taobao shop, you think you will be hidden and won't be found by the bank. In fact, banks have a screening mechanism for abnormal card swiping behavior. Once you are found to have serious credit card cashing suspicion, the bank is likely to give you a penalty of reduction. The third possibility is that the credit card is maliciously overdue. The credit card is maliciously overdue, the credit card bill is overdue for a long time, or the bank with a large amount of debt will think that the cardholder has the risk of bad debts, so the credit card may be downgraded.

ICBC's credit card withdrawal method includes continuous credit card consumption. Try to choose a credit card to pay for your daily life. Now, credit cards can be used in supermarkets, convenience stores and various restaurants. Fancy credit cards allow banks to evaluate the increasing consumption level of cardholders and rely on credit card quotas. In the long run, ICBC's credit card will increase the quota. If the capital turnover is not working, you can use installment repayment, choose the minimum repayment amount, and pay some interest, so that the bank will also increase the quota for customers. You can directly ask the withdrawal amount and the installment withdrawal amount. It is suggested that cardholders should not apply for withdrawal quota too frequently, and it is best to apply once every six months. If it is too frequent, ICBC may not give too high a quota. Tell the bank that there are plans to go abroad recently, or that there is a possibility of large consumption. I hope the bank can increase the credit card limit.