1. online loan: If you apply for multiple online loans recently, the bank may think that your debt burden is too heavy, so it is cautious about increasing credit cards.

2. Big data analysis: Banks evaluate customers' credit status through big data analysis technology. If your big data analysis results show high risks, such as unstable consumption habits or related to high-risk industries, banks may limit the increase of credit card limit.

3. Credit record: Credit record is an important indicator to evaluate personal credit status. If negative information such as loan, default record or overdue frequently appears in your credit report, the bank may be conservative about credit card extension.

Summary: Although there is no overdue record, there are many online loans, big data analysis and serious credit information, which may have an impact on the credit card increment. The bank will comprehensively consider these factors to evaluate your credit status and decide whether to raise the limit.

Extended data:

According to China's relevant laws and regulations, banks have the right to determine the credit card limit according to the borrower's credit status and risk assessment results. Credit information system is an important part of China's financial industry, including the Measures for the Administration of Personal Credit Information Industry and other relevant laws and regulations, which stipulate the responsibilities and obligations of credit information institutions. At the same time, big data analysis has been widely used in the financial field, helping institutions to evaluate customers' credit status and risk level more accurately. Therefore, when applying for credit card extension, it is very important to maintain a good loan record and credit status for obtaining approval.