There are several reasons

1. The card has been held for less than half a year, and the credit card has been held for less than half a year. Generally, the application for a limit increase will not be approved; it needs to be used for more than half a year. It is possible to successfully raise the amount.

2. If the number of card swiping is low and the amount is low, the credit card is not used frequently for consumption, or the amount of monthly card swiping is relatively low compared to the original limit. Generally, it is difficult to apply for an increase in limit, and the bank will consider that the card holder People don’t need a larger amount. 3. The proportion of online transactions is large. Although cardholders often swipe their cards to make purchases, they make more purchases online and the amount accounts for a large proportion. Online transactions, wholesale transactions, purchase of home improvement and building materials, etc., as well as credit card cash withdrawals, transfers, payment of property and water and electricity bills, etc. These are types of transactions that do not count points. Banks usually do not use this as a reference to judge the consumption habits of cardholders.

4. The limit requirement is too high and does not match the financial status of the cardholder. The bank knows the cardholder's income and certain property certificates, and will require the cardholder to submit these materials when applying for a card. If the limit to be mentioned is too high, the bank will consider the cardholder to be a repayment risk and will not approve it.

5. Overdue repayment records. If the cardholder has overdue repayments on his credit card, the bank has low trust in the cardholder and may easily fail to raise the limit. If you have any specific questions, you can directly call the bank’s customer service hotline: 95566 for manual consultation.

The above are the reasons why the Bank of China credit card limit increase was unsuccessful