How many times a year do you swipe your credit card?
In fact, as long as the cardholder uses the credit card regularly, the bank will not reduce the credit card limit of the cardholder. If the cardholder's credit card is downgraded, the high probability is that the card is illegally used, suspected of cashing out, overdue and low activity.
Strictly speaking, if the cardholder's violation is relatively minor, the bank will generally reduce it once a year. If the cardholder's illegal behavior is serious, the bank may continuously reduce the cardholder's credit limit, or even directly reduce it to zero.
The bank's system will monitor the cardholder's card use behavior at any time. Once illegal card use is found, it is possible to control the risk of the card. If the cardholder uses the card well, the cardholder can also choose to withdraw the cash within six months. Cardholders are advised to use the credit card 10 or more times a year to stay active and avoid overdue.
How much is the credit card generally reduced?
If the cardholder's card is under the risk control of the bank, the limit will generally be reduced by about 30%. If the situation is serious, either directly reduce the amount to only a few thousand yuan, or the cardholder will find that his credit card cannot choose installment service. Some banks will directly close the cardholder's credit card.
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