There are five reasons why the credit limit is not rising but falling:
1, by the bank wind control
Frequent cash by the bank wind control stared at, or the bank wind control system detects that you have the suspicion of cash.
2, often late payment
If the credit card holder often late payment, the bank will think that you do not have the ability to pay on time, so as to reduce your credit card limit.
3. Idle credit cards
If you have a credit card and don't use it, it will be considered a dormant card by the bank. If you swipe the card too few times, the amount of consumption is low, in fact, against the bank to let you spend the original intention, if the long-term useless, about 5 months or more, the bank default you do not want to use, it is possible to drop your limit.
4, a brush all the quota
Quality if there are tens of thousands, 1 brush into the empty card, easy to cause the bank suspicion. It is important not to brush all the credit at once and try to consume as much as possible.
5, the card amount is large and integer
brush card transactions more than 5000, and are integer-type consumption, such as 10000, 20000, 50000, etc., extremely inconsistent with the consumption of the actual, will be considered problematic, that the probability of the bank downgrade is very high. As big as tens of thousands of dollars, as small as dollars, corners, minutes of change, all the credit card it to brush, the amount of money is best not to repeat, to do without regularity.
A, China Merchants Bank to raise the amount of the strategy of the whole
1, China Merchants Bank to do the card is particularly important to the education, high education of white households is particularly easy to apply for, but not to card to do the card.
2, there is no education, if you do not have a savings card, brush the water or deposit money, after 3 to 6 months can also be very fast card.
3, China Merchants Bank especially like the number of consumption, you can bind a certain payment treasure or a certain letter wallet, set the default credit card payment. If you buy breakfast every day, buy drinks are swiped credit card, then you even if there is no large amount of consumption, withdrawals are also easy.
4, China Merchants Bank is very like foreign consumption, the conditions can go abroad, no conditions can be seafood, brush one or two, sometimes China Merchants Bank will take the initiative to raise the amount.