1. Credit card debt is too high: If a cardholder has multiple credit cards, but each one is empty, it is obvious that the credit card debt is too high, and its repayment ability will be affected. The Agricultural Bank of China questioned that out of risk considerations, the bank would refuse to increase the credit limit for cardholders, even if there is an introduction limit;

2. Credit cards from other banks are overdue: Agricultural Bank of China will also check the credit report when raising the limit. Yes, in addition to checking whether the bank's credit cards are overdue, we will also check the overdue status of other banks' credit cards. If there are overdue ones, it will naturally not be so easy to raise the limit;

3. Frequent application for credit cards or loans: The cardholder may have good credit and a low debt ratio, but his credit report has been frequently queried by banks or financial institutions recently. The reason is that approval of a card or loan will also affect the limit increase. Because this means that cardholders may be short of money.