Will the limit of a credit card be reduced if I don’t use it for half a year? As mentioned earlier, the credit card limit is not fixed, but will be dynamically adjusted by the bank, of which card usage behavior is an important reference factor. According to the conventional thinking, if you frequently use your credit card to make purchases and repay on time, you will let the bank know that there is a demand for the limit, and through the cardholder's consumption behavior and card usage behavior, it will be considered that the cardholder has a good repayment ability, so it is possible to increase the limit. . Of course, banks do not force you to use a credit card. Whether or not to use a card depends on the cardholder's own needs. However, if the credit card has not generated any transactions for half a year and the limit is relatively high, the bank cannot judge the cardholder's repayment ability and willingness to repay through the card usage behavior. Due to risk considerations, the bank may reduce the limit. However, it is normal for credit card limits to increase and decrease. If the limit is lowered, it may be increased as long as the limit increase requirements are met, but it may not be the same as the previous limit. If you want to increase the limit, it is recommended to call the card issuing bank first to transfer the customer service and inquire about the reasons for the reduction. If the reply given by customer service is caused by not using the card for a long time, you can ask if the credit limit can be restored. If it cannot be restored, you need to increase the limit by using the card later. Spend more with the card, repay on time, and develop good card usage habits. Generally, you can increase the limit after 3 or 6 months. The above is the relevant introduction to "Will the limit of a credit card be reduced if you don't use it for half a year?" I hope it will be helpful to everyone.