1. Bad personal credit report

Poor credit report includes a variety of situations, such as overdue loan products and bad credit, which affects personal credit report; nearly 3 Your credit report is frequently queried by financial institutions during the month, and too many inquiries in a short period of time may cause your credit report to become corrupted. These are all manifestations of poor credit reporting, which will affect the credit card limit, resulting in the credit card limit being reduced.

2. Illegal use of cards

Credit cards issued by banks are used by cardholders for consumption. Although they also support cash withdrawals, certain fees need to be paid, and the amount of cash withdrawals is limited. . But in life, many cardholders will try to use credit cards when they are short of cash flow, and use the POS machine to withdraw the credit card money without paying the fees. This is a behavior that seriously interferes with the economic order. , and there is still a certain risk of default for large amounts of TX. At this time, the bank will reduce the limit of TX's credit card, and in serious cases, the card will be blocked.

3. The frequency of card use is low

If a credit card is not used for a long time, it is equivalent to a dormant card, and there may also be cases where the credit limit is reduced. Because even if a user applies for a credit card without an overdraft, the credit limit will occupy capital, causing the bank's capital adequacy ratio to decline. The reason why banks issue cards to cardholders is that they hope that cardholders can make up for this cost and increase their income by contributing fees for using and swiping their cards. If the cardholder does not use the credit card for a long time, the bank will consider that the cardholder has no need to use the card and will reduce the credit limit.

4. The load rate is too high

After issuing a credit card, the bank will also conduct post-loan management from time to time. If you see the cardholder’s debt ratio on the credit report, If it is too high, then considering the risk of borrowing, the credit card will also be reduced. After all, high debt will make the bank question the cardholder's repayment ability.

How to restore the quota?

1. Regain the trust of the bank

Proactively ask the bank the reason for the reduction and make a representation for the reduction determination. The bank will find out the situation again based on the content of the representation. If the reduction determination is inaccurate , the card holding limit of the credit card will be restored; if the above reduction behavior really occurs, you need to regain the trust of the bank through the later "card maintenance" behavior: ① Use more credit cards for consumption, and try to diversify your consumption, The habit of swiping large amounts combined with small amounts; ② Avoid unconventional card swiping behaviors, such as credit card tx and long-term credit card swiping; ③ Participate in more bank activities, bank installments, shopping mall promotions, etc.

2. Maintain a good repayment record

Repay on time to avoid overdue payments; repay in full if you are able to prove your strong spending power and repayment ability.

3. Apply to increase the temporary limit

You can actively apply to increase the temporary limit. The bank will increase the limit appropriately based on your consumption level, personal credit and repayment situation. Please note: The temporary credit limit is valid for 1-2 months. After expiration, the credit limit will be automatically restored to the original limit.