When a cardholder applies for a credit card, the bank determines the credit limit according to the cardholder's credit and financial resources at that time. If the cardholder uses the credit card for a long time in the later period, there is no abnormal state such as overdue, and the credit card limit exceeds 60% within a certain period of time (usually 3 months to 6 months), the bank will automatically adjust the temporary or fixed credit limit. If there is no adjustment, you can contact the customer service staff of the bank credit card center to apply for withdrawal. Some card banks can apply for withdrawal directly by telephone.
If the customer service staff of the bank informs the cardholder to go to the counter to handle the withdrawal business, then the cardholder needs to prepare relevant materials: ID card, credit card, running water in the past six months (the flow of UnionPay card is relatively large), and credit card withdrawal application form (filled in at the bank). If there is no problem with the bank review, the quota will be adjusted appropriately.