If ICBC's credit card is overdue for a long time, or the overdue amount is large, it will also cause the reaction of the issuing bank, reduce the cardholder's credit card limit, and prevent the credit card bad debt risk caused by serious overdraft.

Abnormal credit card account of ICBC led to the decrease of credit cards.

Abnormal ICBC credit card accounts often occur when credit cards are stolen. For example, when Mr. Zhuang, a netizen, traveled abroad at the beginning of the year, credit card information was stolen by overseas criminals, resulting in tens of thousands of credit cards being stolen abroad. ICBC recognized the abnormality of the transaction at the first time and verified with Mr. Zhuang that the credit card was stolen. Therefore, after obtaining Mr. Zhuang's consent, ICBC temporarily reduced the credit card amount to prevent greater theft losses.

The long-term non-use of ICBC's credit card led to the credit card being downgraded.

In addition to the above, ICBC may also reduce the amount of credit cards that have not been used for a long time after activation, or credit cards whose spending amount and frequency are seriously lower than the credit card limit.