First of all, you need to understand that credit limit and credit are two different concepts. What you are talking about is credit, not credit limit. Credit limit is the maximum overdraft limit of your credit card.

Credit is shared by all commercial banks. Each person’s credit record is stored in the personal credit system of the People’s Bank of China. Each commercial bank reports each person’s credit record within the bank to the People’s Bank of China for all banks to inquire. This credit record will be kept at the People's Bank of China for 10 years and cannot be cleared.

Failure to repay your credit card on time will affect your credit. I hope you will pay attention to the issue of timely repayment in the future. As long as you If these problems do not occur, there will be fewer restrictions in the bank, because the bank will look at your recent credit status.