1. When using a credit card, if the cardholder's habit of using the card suddenly changes or the credit card is suddenly maxed out, the bank will think that the cardholder has an abnormal transaction.
Or there is a suspicion of cashing out, then the bank will remind you through warning messages that there are risks in its credit card transactions, so please standardize the use of cards.
2. If the credit card used by the cardholder has always been normal and it is suddenly impossible to use the credit card, then there must be an abnormal transaction in the credit card, which is also acceptable.
It can be that the credit card is overdue and so on, and it is blacklisted by the bank without knowing it. This is also a sign that the credit card is downgraded.
3. If the cardholder has been using the card regularly, it will be very easy to apply for installment, because the bank is eager for high-quality customers to apply for installment repayment.
Money, you can earn fees. Then once the installment application is rejected, it means that the cardholder may become the risk control object of the bank. Once you enter the bank's dark room, it is early to be downgraded.
When the credit card is downgraded, first of all, don't worry. Find out the real reason of credit card downgrade in micro-search: card friends, so as to effectively sit in the right place. If the use of credit cards is restricted due to overdue, then pay off the arrears and use a new credit card bank.
Cover up old bad records; If you are suspected of cashing out, you can call the bank's customer service hotline, provide the relevant proof of consumption to the bank, and then report it to the bank.
Apply for restoration of places. If the credit card is abnormal, as long as you insist on normal transactions and abide by the credit card rules, the limit can be gradually increased.