although in recent years, in order to further stimulate the user market, banks began to significantly lower the threshold for handling credit cards, but after all, it is a credit product, and banks need to bear certain lending risks. Therefore, the basic requirements for applicants are relatively strict. If there are obvious problems in qualifications, it is easy to be rejected, such as high credit line and so on. So what should I do if the credit line of credit card is too high?

1. cancel some previous credit cards and reduce the credit line of credit cards to achieve the effect of reducing the debt ratio. However, when canceling credit cards, we must pay attention to the fact that credit cards with low quota, narrow interests and infrequent use are preferred. If there are credit cards with overdue repayment records, it is recommended that you apply for cancellation for more than two years, so as to improve your credit record and the bank loan business will not be affected.

2. Improve the total credit line within the bank. Everyone's credit line is determined according to their actual qualifications, and everyone's qualifications are constantly changing. Therefore, you can improve the total credit line by submitting fixed assets that have never been certified before, such as real estate license and car license, and then you can successfully apply for a card.