They increased my limit but I reduced it to 3k because I usually just clear it whenever I log in.

I reduced it ever since one of my card got used in online fraudulent transaction. Was very annoying to deal with the bank even though the card was never used in any online transaction before, but the bank argued that I did. It was until when I said everything is recorded and will take legal action that they suddenly turn tail and become a gentle chicken.

For travel I have to increase my credit limit instead of reducing it because it's so low.

The issue is they didn't want to consider it fraud initially. A few ppl have gotten themselves into this situation where their case was not considered fraud. Sendiri tanggung

It's easy to say unless you kena before then you'll know what's it's like to talk to a brick wall