There is no way to recover the reduced quota, but if you make a mistake, you can call the customer service center to explain the situation and apply for the quota back.
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1. First, control the number and amount of swipes. Credit cards need to be swiped more to get a quick withdrawal. Banks issue credit cards to earn income. Credit card handling fee is an important income of credit card business.
2. Secondly, choose the appropriate merchants to swipe their cards. Not all merchants' credit card transactions can generate income for banks.
3. Third, don't swipe your card casually. In addition to spending by credit card, if you want to "raise the card" quickly. It is suggested that cardholders can try to handle other credit card businesses, such as cash withdrawal by credit card and installment repayment by credit card. Because these businesses can also contribute to banks, they will certainly be welcomed by banks.
4. Seize the right opportunity to increase the amount. Find the right time to apply for credit card withdrawal. If you apply for withdrawal at the right time, it is easier to get approval. For example, after a single large consumption amount accounts for more than 50% of the total credit card amount, apply for credit card cash withdrawal immediately. In this case, the bank will think that the cardholder's demand for credit card consumption is very high, and the current credit line can no longer meet his needs, so it is necessary to increase the line.
As long as you keep a good credit record, raising a card is also very fast. In order to maintain a good credit record, we should also pay attention to our online loan big data in time. This can be done by searching on WeChat: knowing the data in advance and clicking Query, so as to maintain good credit at all times.
How to deal with the reduction of agricultural bank of China
Recently, many card friends reported that their ABC cards had been lowered. Many card friends also said that they usually use cards, but they are still blocked. Then another friend said that he had a take-out card of Agricultural Bank of China, and he used this card to order take-out every month, and the number of take-outs per month was as high as 80 times. In the process of reducing his holdings of ABC, he also received risk control information.
So, in the face of such a reduction, how should we deal with it? Let's see:
1, long-term empty card status.
Many card friends have a few cards or continue to spend money. They will empty the card once or several times, and it will be empty every month. This situation is easy to be supervised by banks, which will lead to card closure and reduction. Therefore, you should pay attention to the specifications of the card when using it.
2. Recovery limit
Why recycle quotas? In fact, it is mainly because you have made too little contribution to the bank, so you should pay attention to making more contributions to the bank in the process of using credit cards. Mutual benefit is the space for long-term development.
So how should we donate?
In daily life, you should swipe your card more, brush less low-priced machines, brush less wool, and do staging appropriately (when the number of staging periods cannot be too long, just do 3-6, not more than 6). Usually, you should shop in the bank's own mall, or spend more in the merchants that the bank cooperates with, but it can't be too long, just make 3-6.
1. Make plans in an emergency. Even for high-limit cards, a monthly bill of1-20,000 is more appropriate.
2. Don't refrigerate. I find that many things that are refrigerated or not commonly used are easy to come down, so I usually take them out.
3. Don't spend by credit card frequently, and at the same time, combine online consumption for diversified consumption.
Finally, in order to avoid risk control, interest rate reduction and card closure by banks, some changes should be made in the process of using the card at ordinary times, so that the card reduction and exemption will be reduced.
Causes and countermeasures of crazy price reduction of credit cards in four major banks
In recent years, with the increasingly fierce competition in the credit card market, banks are trying to win customers with new cards. However, in order to prevent and control risks, banks will adjust the credit card quota according to the actual situation. There are four big banks that have made crazy price cuts on their credit cards. Want to know the reasons and countermeasures for the crazy reduction of the four major banks? Let's take a look!
The banks that carried out this crazy reduction are: Agricultural Bank, Bank of Communications, China CITIC Bank and Guangfa Bank.
1, agricultural bank credit card
Many customers holding ABC credit cards said that their credit cards were suddenly reduced by half, mainly in Hangzhou, Shenzhen and Hubei.
In major forums and post bars, many card friends said that the credit card limit has dropped from 1.2 million to 60,000, from 50,000 to 1 10,000, and even from 80,000 to 1 10,000, which is obvious.
2. Bank of Communications Credit Card
For a long time, the credit card holders of Bank of Communications have been advocating the freezing method, but judging from a group of small partners who have reduced the amount, it is really because they have played the freezing method that the amount has been greatly reduced. Some card friends said that the amount of tens of millions of dollars directly dropped to 10 yuan, which forced the cardholder to return the card directly!
3. CITIC Bank Credit Card
It is difficult for CITIC Bank, which is nicknamed "Iron Rooster", to raise money. This time, it also began to reduce the quota in batches, which made many cardholders with CITIC credit cards complain. How does the low amount support the daily overdraft demand, and what about bonus hunter?
4. Guangfa Bank Credit Card
Guangfa Bank, which joined the reduction army together, has a credit line of 1 10,000 yuan and a credit line of 5,000 yuan, which will be reduced to 8 yuan after repayment!
So, how should a small partner who has suffered a crazy downgrade respond? Is there really only one way out? For cardholders who have daily overdraft needs, it is recommended that you do not cancel your card. After all, crazy haircuts are bank policy. If you apply for a credit card after returning the card, the amount may not be high and there is a risk of rejection. Cardholders can try the following methods to save your credit card limit:
1. Apply for temporary line through customer service phone and actively use the card;
2. If the limit is reduced to several yuan and there is no limit to overdraw, you may as well save money for consumption. Bonus hunter can also accumulate personal credit at the same time;
3. If it really doesn't work, choose to cancel the card early and reissue it after one and a half years. Never apply for a card immediately after it is sold.
This is the reason for the large-scale reduction of ABC's credit cards!
I was caught off guard by this batch of reduction. Don't think about 3 1 or 6 1, just keep the quota. Let's take a look at the large-scale credit card fee reduction of ABC.
Credit card reduction and exemption range of Agricultural Bank of China
Judging from the feedback from many card friends, the downward adjustment of ABC is basically nationwide, and it is a provincial policy, not a provincial policy.
Moreover, this time, the reduction rate of the old farmers is not small, basically halved, that is, 654.38+ 10,000 MINUS 50,000, 60,000 MINUS 30,000, and 90,000 MINUS 1 10,000.
Reasons for the decrease of credit cards in Agricultural Bank of China
It is believed that the large-scale fee reduction of ABC's credit card is not sudden, but premeditated for a long time. The basic reasons for this decrease are as follows:
1. ABC's credit card policy has been adjusted to strengthen the risk control of credit cards. If there is a problem with the card at ordinary times, it may be directly reduced.
2. Those who never apply for staging will make too little contribution to ABC. It is said that those with a comprehensive score below 3 will be downgraded, but the details are not very clear.
3. If the card is empty for a long time, it is said that empty card cash withdrawal, frozen cash withdrawal or change is of little use to ABC. Since it is not necessary, who will not lower your deposit?
4. Small loans are overdue. Don't think that it doesn't matter if small loans are overdue. Now almost all information is shared. Whether it is on credit or not, overdue stains have far-reaching effects.
I would like to introduce the large-scale credit card reduction of Agricultural Bank of China. In fact, in general, the downgrade of ABC's credit card is a normal policy adjustment. Don't panic. As long as you have a good reputation and use your credit card well, credit card reduction does not exist.
What if the credit card is downgraded and there is no money?
The first method:
After the reduction, call customer service to ask the reason for the reduction. If the customer service is based on the system evaluation, it can directly complain and ask for a refund of the annual fee generated in the process of using the card. Unilateral reduction is a bank default.
If you don't agree to restore the credit line, you can complain at any time, and of course you can also complain to the banking regulatory bureau. Finally, even if the credit line cannot be restored, the annual fee or points paid during the card use period can be refunded, and the previous installment payment or the handling fee generated by the card use can also be requested to be refunded.
The second method:
Curve two card means to apply for the second card again, and some banks independently review the second card, so there is a certain chance that the amount of the second card will be restored to the original amount or lower or higher than the original amount. For example, the Agricultural Bank of China is an independent audit. As for other banks, you can test them yourself. After all, Shunshi has not reduced the quota, so it is impossible to give you a test. I'll give you a method for reference only.
The third method:
If you continue to use it, you may be able to impress banks to continue to increase the quota one day. This probability is very low. It is rare that the old railway can normally increase the quota after the reduction. Even if there is, it will be many years later, and the time is too long.
The fourth method: apply for cancellation after half a year. Many banks stipulate that account cancellation for more than half a year is a new account (180 days and 45 days). If you pass, you can get another starting gift. If the bank bears a grudge and refuses directly, you can continue to push in another position.
The last thing I want to tell you is, first of all, we must ensure the rational use of cards and not touch the bottom line of banks, so that we can at least "talk" with banks. Secondly, if it is found to be reduced, we must first find out the reason, so as to prescribe the right medicine. For the case that the credit card is obviously overdue, we must ensure that it is repaid in full and on time, and apply to the bank to transfer the amount after a period of time.
According to the "General Situation of Payment System in the Second Quarter of 20 19" issued by the central bank, the number of credit cards and debit cards has reached 71/kloc-0,000,000, and the total outstanding credit of credit cards overdue for half a year has reached 83.884 billion yuan.
Credit card risk has gradually become the primary problem, which is also the reason why some users will reduce their credit or seal their cards. In fact, the bank usually gives a "reminder" before the phenomenon of reducing the amount or sealing the card, and the cardholder may not notice it.
How to restore the credit card limit of ABC?
After the credit card limit of ABC is lowered, it should be your credit card that triggers the bank's risk control system. In this case, unless you have a large deposit certificate of ABC, it is difficult to raise the limit.
Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Four. app; application
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
The introduction of how to reduce the credit card limit of ABC and how to increase the credit card limit of ABC ends here. I wonder if you have found the information you need?