The Bank of Communications credit card has not been activated. Half a year later, I received a text message and the limit was reduced to 2000.

If you have been using your credit card for a while, the bank will proactively send you text messages to remind you to increase your limit. There are pros and cons to increasing your quota, and you can decide whether to increase your quota based on your own needs.

Benefits of increasing credit card limits: High-limit credit cards can reduce restrictions on credit card swiping and cash withdrawals, especially in emergencies. For travel, catering, hotel accommodation, shopping malls, etc., large-limit credit cards can help you avoid the embarrassment of insufficient credit when swiping the card.

Disadvantages of increasing the credit limit: Once a high-limit credit card is stolen or information is leaked, the loss will be huge. Although the bank credit card center has a lost card protection service, in fact, if your credit card is stolen by someone else, After that, you can generally only get a small part of the compensation; at the same time, too high a credit card limit may lead to over-consumption, and if the repayment is overdue, it will affect your personal credit record.