Sihai network

Why the credit card limit will decline is related to these three points!

The amount of credit card is very important, so many people are racking their brains to increase the amount, but some people's credit card amount will not rise, but will fall. What is the reason for this? In fact, it is mostly caused by the following three points:

1、 High debt

Everyone's credit line is online. Unless you control your liabilities well, it will not affect your credit card line and loan line.

2、 Improper card use

Many people think so. Does it have anything to do with the credit card I apply for? Of course it does. If your credit card is overdue, will the bank approve it for you? Secondly, your credit card has been used for three or five years, and the amount of your credit card has not been raised. Shouldn't the next bank hesitate to approve your card?

3、 Applications are too frequent

Credit card applications are too frequent, which can easily lead to credit card rejection. It will not only destroy the credit investigation, but also the amount of credit card will be very low. Do you want to know the reason? In fact, it's very simple. You can think about what kind of people apply for credit cards from four or five banks in a day. Isn't this the lack of money in the eyes of banks? You are so short of money. Should the bank worry about your repayment ability, but if you want to make money, you can only use a low credit card to send you away.