1. There is a problem with the credit report. Banking financial institutions have the power to conduct post-loan management. Once they find that there is a problem with your credit, they may reduce your loan limit. The limit will be reduced the next time you apply.

2. The debt ratio is too high. No matter how big your credit limit is, it is best not to hold more than 3 credit cards. With a fixed income, large purchases will cause repayment pressure, and there are other online loans that will increase the cost of your hidden liabilities.

3. Job instability. Lending institutions will use various channels to determine whether your job is stable, such as the name of your workplace, telephone number of your workplace, basic salary statement, address, phone number, provident fund and social security, etc. Freelancers, self-employed individuals, and even those who have just quit their jobs may not be able to receive a credit increase.

4. Early repayment. Although many loan products support early repayment, institutions rely on interest to increase income. If you often repay early, it means that you are not very short of money, and you may give the loan amount to people who need it more.

5. Policy reasons. Affected by the entire industry, loan quotas have been tightened in recent years. Many institutions have tightened their loan quotas, so you don’t need to worry too much if your quota is reduced. As long as you use it normally and repay on time, maybe it will take a while You will find that the limit has increased again later, just keep an eye on it at any time.