Whether the credit card has been reduced or not, the most important thing is to see why you have been reduced, and then take relevant remedial measures. Let's look at the main reasons for the decrease of bank credit cards. Since the second half of 20 18, the credit card risk control work of many banks has been significantly strengthened, and many netizens have been deducted points or even directly sealed because of irregular card use. Among many banks, Guangfa Bank and Ping An Bank. This has become the hardest hit area for losing envelope cards.

What if the credit card is deducted?

1. Self-application: You can try to raise the amount by calling first. If you fail, you can only increase the amount through the good habit of swiping more cards and repaying on time.

2. Credit card cashing: If it is because the bank reduces the amount of similar cashing and monitors risks, it needs to conduct normal transactions afterwards and abide by the credit card rules, the amount can be increased.

3. Credit card overdue: If the credit card is overdue, the amount will be reduced, and you can apply for withdrawal after a certain period of time.

4. Bank risk control: Sometimes bank risk control will also reduce the credit line. You can contact the bank to request that the credit line be transferred back.

Bank-related people pointed out that credit card holders should avoid unreasonable reduction and exemption, and the most important thing is to spend rationally and avoid malicious cashing or suspicious behavior. If it is found that the normal credit card swiping behavior is accidentally injured, the cardholder should contact the issuing bank as soon as possible to explain the consumption situation and provide the transaction voucher, and under normal circumstances, the normal limit can be restored.

What's with the reduction of credit cards?

The credit card has been debited for the following reasons:

1, too few credit card swipes. If the cardholder has not used the credit card for a long time after the successful opening of the credit card or the amount spent each time is very low, the bank will think that the cardholder has no need to use the credit card, resulting in the credit card limit being reduced.

2. If the credit card is overdue, the cardholder has not paid back the arrears for a long time, or the amount owed is large. The bank will reduce the amount of the cardholder's credit card if the bank still fails to repay the money after repeated reminders.

3. The credit card has been withdrawn. Some cardholders want to cash out through online shopping. Banks have their own identification mechanism, and it is easy to see through the cash situation. So once the bank knows that the cardholder is cashing out, the credit card limit will also be reduced.

4. The credit card account is abnormal. When the cardholder makes a transaction abroad or spends money by swiping the card in a high-risk area, the bank will think that this credit card may be stolen, which is equivalent to a risky transaction and will reduce the amount of this account. In severe cases, credit cards will even be frozen to prevent theft.

Cardholders often use the minimum repayment amount, which is also reduced by the bank. Frequent use of this repayment method will make the bank think that there is something wrong with the cardholder's repayment ability, and the bank will naturally reduce the credit card limit in order to reduce the risk.

Extended data:

First, the credit card to enhance the amount of skills:

1. Credit cards cannot be used as savings cards.

I believe everyone will know the difference between credit card and savings card. Credit card is a credit consumption, and it is not a good behavior to deposit and withdraw money at will. Want to increase your quota, or use it separately. It is not cost-effective to charge a certain handling fee for credit card withdrawal.

2. Always swipe your credit card

There is an annual fee for credit cards, and some types of cards can be exempted from the annual fee if they spend a certain amount. Some of them have a certain amount of money and are free of annual fees. Frequent swiping can not only save the annual fee, but also increase the credit card limit. If you use it frequently, you will become an active user of the issuing bank invisibly, and you will be rewarded when you withdraw the amount.

If there is continuous and stable consumption, there is a transaction every month, and the issuing bank will even take the initiative to give a sum of money. Even the application for permanent withdrawal may be approved.

3. Irregular high consumption

Frequent use of credit cards represents a stable activity, rather than irregular large-scale consumption. If you can repay on time, you will be recognized as a quality customer by the issuing bank. It will also be very simple for the card owner to apply for cash withdrawal. Of course, this kind of large consumption is not bursting.

There is still a big difference between frequent credit card swiping and frequent credit card swiping. Under normal circumstances, when handling credit cards, the amount will not be very high. If you often empty the quota, even if you can repay it on schedule in the future, it is also a big taboo for raising the quota.

You can't cash out maliciously.

Credit cards support cash withdrawal. If you withdraw cash normally, you can also increase the amount. But if it is malicious cash, once it is discovered, it will be banned and downgraded. It will be more difficult to leverage loans by raising the quota.

In fact, this can also be circumvented. Don't swipe your card on the same credit card machine for many times in a short period of time, and don't swipe your card with integer mantissa, or swipe your card during closed hours. As long as it does not conform to the normal consumption logic, it will naturally not be judged as malicious cash.

For malicious cashing, the processing result of the issuing bank is still very serious. The reduction of credit cards is still a good result. Once personal credit information is obtained, the impact will be even greater.

Why did the credit card limit drop?

There may be three reasons:

1. Temporary line expired:

Often the bank will give the cardholder a sum of money from time to time. All that can be mentioned is temporary quantity. When it is superimposed on a fixed quantity, it gives people the illusion that it is a fixed quantity. In this way, after using the temporary quota, the repayment will offset the used quota, and then the available quota will be restored, so the quota will be reduced.

2. Over-quota is used:

Many banks open over-limit services by default. On the basis of using up the fixed limit after the last consumption, they can also overdraw the limit of 5~ 10%, which will be displayed as a negative value in the credit card limit. Fill in the negative part first, and the remaining repayment amount will be restored to a fixed amount.

3. It was degraded by the wind;

Many card friends did not use credit cards for personal daily consumption according to the credit card contract, but cashed out or invested in wealth management, which triggered the bank's risk control system and immediately reduced the amount after repayment.

Extended data:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible 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.

The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

The main features of credit cards:

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and++social demand.

Reasons for lowering credit card limit

1. Reasons for the decrease of credit cards

1. Credit card overdue: It often happens that credit cards are overdue, and banks are most likely to reduce the quota. If you don't pay the bank back often, the bank won't dare to lend you so much. If the credit card is overdue for more than three periods, the bank will charge interest and late fees to the cardholder who has overdue repayment. When overdue occurs for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior, and it is risky to continue to provide revolving credit, and will unilaterally stop using the credit card.

2. Illegal cashing of credit cards: the risk of illegal cashing or raising cards. Many cardholders will pay attention to cashing out their credit cards when the cash flow is insufficient. In fact, this is also of great concern to banks. The issuing bank will either reduce the credit limit of the cardholder's credit card or suspend the cardholder's credit card use according to the cardholder's specific situation.

3. Abnormal credit card swiping: the account is abnormal, which usually occurs in "cashing out". If you have a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy for the bank to suspect that it is cashing out, or the bank thinks that the credit card is risky, swipes the credit card on the risky POS machine, or the system prompts that the credit card has been hacked.

4. Credit cards may be stolen: Credit cards are considered to be at risk of being stolen. For example, someone has been trading in China, and suddenly one day the bank finds that this person has made several transactions abroad, and the bank will take the initiative to call the customer to confirm whether it is my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit through cardholders to prevent the credit card from being stolen, or even stop the card for security reasons.

5. Less credit card: If your credit card has not been used for more than 5 months, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems. For this kind of sleep card, lowering the quota is also beneficial. Once there is a stolen brush, the loss will not be so serious.

6. Long-term non-use after activation: If the credit card is not used for a long time, it is equivalent to a dormant card, and it may also be reduced. Because users apply for credit cards, even if there is no overdraft, the credit line will occupy capital and reduce the bank's capital adequacy ratio. It is hoped that cardholders will make up for this part of the cost and increase their income by using their cards and swiping cards to contribute handling fees. If the cardholder does not use the credit card for a long time, the bank will think that you have no need to use the card and will lower the limit for you. The credit card limit is lowered, and the bank aims to reduce the capital occupation.

Second, what should I do if my credit card is reduced?

If you want to restore the quota, you have to prescribe the right medicine and contact the credit card issuer to see if there are any mistakes and how to avoid such mistakes next time.

How is the credit card limit reduced?

Overdue is the main reason for the decrease. Credit cards are downgraded, on the one hand, because of the quota control of the regulatory authorities, and on the other hand, because users have some abnormal card use behaviors. The personal credit of banks mainly comes from personal credit information, and overdue is one of the main reasons for the decrease.

If users frequently apply for withdrawal, often use the minimum repayment amount to repay, or often skip the code when swiping the card, the credit card may also be downgraded. In addition to the reduction of credit card limit due to overdue, long-term idleness, single consumption, abnormal card swiping, abnormal repayment and poor credit reporting are the five major reasons that easily lead to the reduction of credit card limit.

Therefore, to reduce large-scale consumption, the place of consumption is variable. Secondly, try not to overdraw the credit card limit, occasionally use installment business, and don't overdue.

Extended data:

Natural attributes, income, wealth, and risk performance in other financial institutions can all be factors that affect the credit line. The main reasons are long-term idleness, single consumption, abnormal credit card, abnormal repayment and poor credit reporting.

In addition, banks with strict credit card risk control review will also implement "rigid deduction" for the card owner, that is, calculate the total debt limit of the card owner, and then subtract the credit card limit of the card owner in other banks. If the cardholder's consumption and repayment are in good condition, the amount will be continuously raised under normal card use; If the cardholder's financial situation deteriorates and the repayment record is bad, the credit card limit will be lowered.

People's Network-Credit card has been lowered? Don't do these things again.

This concludes the introduction of the credit card limit being reduced and the reasons for reducing the credit card limit. I wonder if you found the information you need from it?