What is the reason for the decrease of ICBC's credit cards?
1. Less used
Banks issue a certain amount of credit cards to cardholders in the hope that cardholders can earn corresponding transaction fees through credit card consumption. However, if the cardholder has been idle for a long time after activating the credit card, or the credit card limit for each period is very small, the bank will think that you have no demand for the credit card at all and will reduce the credit card limit for you.
2. Suspected of cashing out
If the cardholder has a large amount of cash, the bank will control the risk of the cardholder, and if the circumstances are serious, it will be blacklisted by the bank, and the bank will reduce the credit card limit during the investigation.
3. Overdue repayment
If it is overdue for more than three months, the bank will not only charge interest and late fees, but also cause malicious overdraft when it reaches a certain amount. In this case, the bank will reduce the cardholder's quota, and if the circumstances are serious, the bank will seal the card.
What should I do if my credit card is stolen?
1. Handling loss reporting card: After discovering that the credit card has been stolen, the cardholder should immediately call the customer service of the credit card center of the issuing bank to temporarily freeze the credit card account to reduce subsequent losses.
2. Self-evidence collection: After the loss of the credit card is reported, the cardholder should swipe the card at a nearby monitored store in time, which can prove that the credit card is in the cardholder's own hands at this time.
2. Report to the police station: No matter how many credit cards are stolen, cardholders should report to the nearest public security bureau or police station, and they can provide materials for obtaining evidence by themselves when reporting.
3. Complaint: complain to the bank in time, explain that your card has been stolen, explain which ones are not for your own consumption, and there is evidence to prove that you are stuck in your own hands at this time.