1. Self-application: If the user automatically applies for reducing the limit, he can try to apply for withdrawal by phone. If you don't succeed, you can only increase the quota through good card habits such as swiping your card more every day and repaying on time. If users think that their limit is too high, which may lead to unnecessary consumption or the risk of theft, they can set the limit of trading limit in personal online banking without applying for reduction or exemption. It should be noted that it will be difficult and time-limited to increase the quota after applying for relief.
2. Normal credit card transaction: If the credit limit decreases due to cashing or monitoring risks, the credit limit can be restored as long as the user insists on normal transaction and abides by the credit card rules. The bank will grade and evaluate the transaction internally. Generally speaking, high-end transactions such as shopping in shopping malls, automobile consumption and catering will get higher scores, while online banking transactions are considered as low-end customers, which is not conducive to increasing the quota. Users should use credit cards as widely as possible, but also ensure timely repayment.
3. Avoid overdue credit cards: If the decline in credit limit is caused by overdue credit cards, users need to maintain good habits of using cards and can apply for increasing the credit limit after a period of time. Users should start to repay in full and on time after the quota drops, and there can be no overdue situation. After a period of time, the user's monthly credit card limit should approach or exceed the limit, and try to pay off the balance at one time. Subsequently, the user can contact the bank to apply for the recovery quota. Doing so can effectively restore the credit card limit.
Can I apply for a temporary credit card line continuously?
Whether the temporary credit card limit can be applied continuously depends on the specific regulations of the bank. Temporary line is a temporary authorization provided by the bank for credit card holders. It can be used flexibly in the bank, but it needs to be returned before the authorization expires. Users can apply for a temporary quota as many times as needed, but the application conditions and frequency are usually stipulated by the bank. If users often need to use the temporary credit card limit, it is recommended to know the bank's policies and requirements in time so as to apply accurately.