Credit cards can increase or decrease the credit limit based on their own card consumption. Generally, increasing the credit card limit requires that the credit card consumption limit reaches the bank's requirements before adjustment can be made. Lowering the credit card limit will reduce the credit card consumption limit. Unless it is particularly necessary, it is generally not recommended to lower the credit card limit. Credit card limit Even if you leave it alone without swiping the card for consumption, it will not have much impact on your credit report.

Credit card limits are generally divided into temporary limits and fixed limits. The limit usually displayed on the card is a fixed limit. The temporary limit is issued by the bank based on the cardholder's recent consumption situation and the system's comprehensive score to determine whether the card holder meets the conditions for the temporary limit. Temporary quotas generally require an interval of 3 months before you can apply for adjustment, and fixed quotas generally require an interval of 6 months, that is, half a year, before you can apply for adjustments. If the cardholder applies for a temporary limit in the current year, it will inadvertently take up the fixed limit increase time and postpone the fixed limit increase time by 3 months.

If cardholders want to increase their credit card fixed limit, they can refer to the following methods:

1. Use credit cards for payment when shopping online or offline, especially for girls. For example, when you usually buy some large-scale luxury goods or home furniture online, you can pay it back in the next month after paying with a credit card. This can increase the frequency of credit card swiping purchases, which will help you apply for a credit card limit increase.

2. Repay the loan on time and early. Before the credit card bill is due in the current month, repay the credit card bill in full for the previous month. It is best not to use the minimum payment method to repay. This can increase your personal credit card standing and help increase your credit card limit.

3. If the amount of consumption in the current month is indeed relatively high, you can repay it in installments. Credit card installment repayment involves a certain installment interest fee. As long as the installment amount is repaid in the same month, it will not affect your personal credit limit.

4. Pay attention to credit card points. Some banks' credit card limit increases will be based on the cardholder's credit card points, so you should also pay attention to the accumulation and use of credit card points.

The credit card limit adjustments of different banks are slightly different. Cardholders can manage the limit according to the card usage and conditions of different banks.