I received a text message from ICBC but didn't withdraw it.

Friends who have used credit cards should know that the credit card limit is dynamically adjusted by banks from time to time. Generally speaking, increasing the amount can increase the available limit, but sometimes the available limit remains the same. Then, why has the credit card increased and the available amount remained unchanged? Let's analyze it together. Why didn't the available credit cards increase? 1. Some banks send SMS notifications before withdrawing money, but cardholders need to reply to confirm before withdrawing money, such as ICBC and CCB. If there is no reply, the default is that the cardholder does not agree to withdraw money, and the bank does not withdraw money, so the available amount naturally remains unchanged. 2. The bank has increased the credit card limit, but due to the limitation of the total amount, it will not increase the available limit. In fact, the amount was not raised successfully. For example, ICBC often has SMS cash withdrawal activities, but there will be an upper limit. For example, cash withdrawal shows that the maximum amount is 654.38+ million, but it is already 654.38+ million, and reaching the upper limit will not increase the available amount. 3. The system update was not timely, and the credit card withdrawal was successful. However, due to network delay, the available quantity did not increase immediately. I suggest you wait until the next day to have a look. If you really don't know what kind of situation it is, you can call the issuing bank and transfer it to manual customer service, so that you can help me check the available withdrawal amount. The credit card limit is not as high as possible! The credit card limit is too high, and the potential risk is great. At present, many bad debt rates are because the limit is too high, and cardholders are unable to repay because of overdraft. It is recommended not to blindly pursue the upper limit. After all, credit cards cannot be repaid, and overdue repayment can be as simple as being collected, resulting in liquidated damages. Once it is determined that the malicious overdraft of credit card constitutes fraud, it may be punished, and the bright future will be destroyed in minutes.