Banks play a very important role in our lives and can be said to be closely related to our lives, and credit cards can also be said to be available to everyone. For example, when we go to the bank to apply for a card or other business, we always hear the total credit limit. Sometimes the bank will say that the total credit limit is too high. So what should you do if the total credit limit of your credit card is too high? Also, how much of the total credit limit is too high?

What is the total credit limit? To put it simply, the total credit limit of a credit card is the total credit limit provided by the bank to the user based on the user's comprehensive situation. For example, if you apply for three cards at a certain bank, the sum of the credit limits of these three cards is your total credit limit.

What is the total credit limit of a credit card that is too high? When we apply for a card, the bank may reject it because your total credit limit is too high. In fact, there is no specific number for the so-called total credit limit that is too high. The standards of each bank may be different, and the assessment will be based on the user's assets, social security, financial income, etc. According to feedback from netizens, some were rejected with a total credit limit of more than 200,000 yuan, and some were rejected with a total credit limit of more than 800,000 yuan. Some netizens also said that generally a total credit limit of several million would be too high.

What should I do if the total credit limit of my credit card is too high? 1. Lower the credit limit: If your total credit limit on credit cards is too high, in order to avoid "bankruptcy", you can reduce the limit on one or two of your infrequently used credit cards. 2. Cancel credit cards and cancel accounts. In order to prevent the total credit limit from being too high, you can also choose to cancel those credit cards that you do not frequently use. 3. Reduce liabilities. If the bank says that your total credit limit is too high, it is very likely that you have a lot of debt. For example, if your credit card credit limit is too high, it will lead to a large number of bills and a lot of liabilities. Therefore, in order to avoid the total credit limit being too high, it is necessary to reduce debt. The above is the answer to "What should I do if the total credit limit of my credit card is too high? How much is the total credit limit of my credit card?" Generally speaking, if you hold too many credit cards or have too much debt, your total credit limit may be too high. If you don’t want your card to be rejected because your total credit limit is too high, you can use the above methods to reduce your total credit limit.