Not using credit cards for a long time will reduce the limit. Credit cards often swipe their cards and repay on time, so that banks know that there is a demand for credit lines, and it is possible to increase the credit lines. If the credit card has not been used for a long time and the amount is high, the bank cannot judge the cardholder's repayment ability and willingness by using the card.

Legal objectivity:

credit reporting industry regulations

Article 44 The meanings of the following terms in these Regulations:

(1) Information providers refer to units and individuals that provide information to credit reporting agencies and units that provide information to the basic database of financial credit information.

(2) Information users refer to units and individuals that obtain information from credit reporting agencies and basic databases of financial credit information.

(3) Bad information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject fails to perform its obligations in accordance with the contract in activities such as borrowing, buying on credit, guaranteeing, leasing, insurance and using credit cards; information that the information subject is subject to administrative punishment; information that the people's court judges or orders the information subject to perform its obligations and enforce them; and other bad information as stipulated by the supervision and administration department of the State Council credit information industry.