1, the number of swipes is less.
If the cardholder doesn't use the credit card for a long time after the credit card is successfully opened, or the amount spent each time is very low, then the credit card will not generate any income for the bank. So there is no need for banks to use credit cards. In this case, your credit card limit will be reduced accordingly.
2. The credit card has expired.
If the credit card is in arrears for a long time, or the amount of arrears is large, and the bank still fails to repay after repeated reminders, then in this case, the bank will have great doubts about the cardholder's survival and think that the cardholder has a great risk of bad debts, so it will reduce the cardholder's credit limit.
3. The credit card account is abnormal.
If the cardholder makes a transaction overseas or spends money by swiping the card in a high-risk area, the bank will think that the credit card has been stolen at this time, which is equivalent to a risky transaction, so it will reduce the amount of this account and even freeze the credit card to prevent the stolen credit card from spending.
The credit card has been withdrawn.
Some cardholders want to cash in by swiping their cards on POS machines or shopping online, thinking that banks certainly don't know this behavior. However, the bank has its own identification mechanism, and it is easy to be seen through the cashing list, so once the cardholder cashes out, it will soon be known by the bank, and then the cardholder's quota will be reduced.