Credit card limit is typically determined by the customer’s monthly income, default risk, and spending habit. Yet, there may be situations where an unexpected reduction in your card limit could catch you off guard. In a July 23 post on X, formerly Twitter, a customer, tagging the SBI Card, wrote: “It took me 5 years to increase my limit. Now you have decreased the limit to 50-100 per cent.” In the same thread a few users alleged of reduction of more than 80 per cent.