At present, there are two ways for banks to increase the credit card limit. One way is that the cardholder voluntarily applies for withdrawal. The other is that the bank will check whether to withdraw the amount according to the cardholder's card use behavior. If the withdrawal criteria are met, the bank will send SMS notification to the cardholder on its own initiative. Generally speaking, short messages from banks will remind cardholders that the credit card limit is about to increase. If the cardholder doesn't need it, he can reply to the SMS and refuse. \r\n 1。 Judge according to your own consumption demand \ r \ The reason why the bank actively increases the credit card limit for you is because it thinks that your consumption ability is high and your personal credit is good based on your previous credit card consumption behavior and repayment record, and the current limit can no longer meet your consumption demand, so it actively increases the limit for you. After you make a single large consumption, the bank may increase the quota for you. Then, what you need to judge is whether the current credit card limit is inconsistent with your daily consumption. If it is, you can increase the limit; If it's only occasional mass consumption, there is no need to promote it. \r\n 2。 To distinguish whether to increase the fixed or temporary limit \ r \ Cardholders also need to see whether the bank provides you with a fixed or temporary limit. The fixed amount can be used for revolving credit, installment repayment, etc. The temporary line can only be used in one installment, and cannot be repaid in installments. You can't repay according to the minimum repayment amount, and you need to pay it off in full when it expires. Therefore, the temporary credit line has a short service life and high overdue risk. If there is no special need, when the bank increases the temporary limit for you, try to choose "refuse". \r\n 3。 If you don't want a high credit limit, you can apply for a credit card reduction. \ r \ The bank has increased your credit card limit. Considering that high credit limit may stimulate your excessive consumption, you want to lower your credit card limit. Then, you can call the customer service phone of the bank, or apply for credit card relief through official website, online banking, mobile app, WeChat and other channels. Need to remind everyone that if the credit card limit is lowered and you want to upgrade again in the near future, the chances of being rejected are relatively high. So think twice before lowering the quota.