If you use up your China Merchants Bank credit card, others will think that you have the repayment ability and your spending power is relatively good, so they will restore the credit limit to you. Of course, this depends on your own situation. Most of them are due to this reason. Secondly, it may be that you raise the quota yourself. However, if some people behave inappropriately, their quota may be reduced. It is also difficult to restore the quota. However, you can operate according to the following methods.

Measures to restore the limit:

1. Swipe the card more often and repay the loan in time to reflect the consumption ability. It is best to produce monthly bill consumption for three consecutive months and at least the total limit. Above 30, the bank will automatically increase the limit based on consumption, usually once every three months.

2. The time for raising the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out. If you need to increase your quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

3. Supplement personal information and apply for an increase in credit limit.

4. Strategic application for credit limit increase: In order to gain territory, banks have certain incentives for the use of credit cards, such as rewards for the use of dormant cards. Based on this, if applying for a quota increase through normal channels does not work, you can use some sideways methods.

5. Pay in installments frequently, but you have to pay some handling fees

2. Don’t spend blindly.

As long as there is a certain degree of risk in credit cards, if you can't afford it, it is recommended not to use it. You can put it in your bag as an emergency tool, but you must treat it rationally and don't If you think you have money in it, you can spend it as much as you want. You have to think about whether you can pay it back. If you can't, it will be another trouble for him. And some people feel that their quota is too high and blindly consume. In fact, the risks involved are also very high. To avoid such accidents, it is better to consume rationally. In addition, it will take time to increase the quota after these reductions. It also requires difficulty, so treat your credit card reasonably.