I believe everyone knows in recent months: no income! If there is no income, we can tighten our belts and spend less.

Lie down. But Alipay originally borrowed 8,000 yuan and had to repay it. After you pay it back on time, it can be directly deducted, and you can borrow 800 yuan. It dropped by 20,000 in three months. The same goes for wordless credit cards. I paid back 9,000, and the available credit is over 600. . I really want to change my phone number, but I won’t give it a full refund! But I'm not used to owing money. I owe you psychological discomfort! Anyway, cancel the credit card and uninstall Alipay. JD Finance and CITIC Bank helped themselves in troubled times. Related Q&A: Has everyone’s Alipay borrowing limit been reduced during the epidemic? Will my credit limit be reduced after I pay it off?

The reduction of the borrowing limit may be due to the following situations: 1. Part of the borrowing limit has been used: You can click My-Ant Boring-My-Borrowing Records in the lower right corner of the Alipay client, Check the details of the loan; 2. The Ant Borrowing limit is comprehensively assessed based on your consumption, repayment, etc. It is dynamic and changing, and cannot be raised manually. If your borrowing limit is reduced, it is recommended that you maintain good usage and repayment records and follow up. Related Q&A: What do you think about credit card limit reductions during the epidemic?

What do you think about credit card limits being reduced during the epidemic?

As for this question that many netizens want to ask, today let’s popularize the knowledge about credit card suspension and reduction?

The epidemic has caused heavy losses to the national economy, and many small and medium-sized enterprises have closed down or When companies are unable to pay wages normally and companies and individuals are in need of funds, many bank credit cards suddenly reduce their credit limit without any advance notice. Although the credit card usage agreement stipulates that banks have the right to make adjustments based on customer qualifications, this cannot be the case. It made everyone feel the cold-bloodedness of the bank. This has caused great trouble to the financial arrangements of credit card holders, and may indirectly cause other banks under the card holder's name to doubt their creditworthiness, causing a chain reaction.

Because it is easiest to reduce the card limit during the epidemic. Why? ——Give a simple example. For example, during the epidemic, the clothing store is obviously not open, because you need money or something, so you can get a POS machine and swipe directly on it.

It’s either clothing or catering. The results are conceivable. At worst, the bank will drag you into a dark room to reduce your credit limit, or at worst, your card will be blocked.

If your card has been blocked/reduced, or a bank/financial platform ignores you and gives you a credit report. So at this time you have to solve it like this:

If you encounter a card that has been blocked or derated, you must first find out the reason for it. There are only two reasons: the problem of using the card (the card is not used well); the second is the problem of credit report (one bank is overdue or another bank is overdue)

Find your own reasons first , everyone’s situation is different. Of course, the bank cannot cause trouble for you for no reason, and it will not make such stupid mistakes.

Then there are the steps and negotiation skills:

You need to call the bank’s credit card customer service department and ask why the card is blocked?

Of course, the staff will usually tell you that it was caused by your card usage (the usual answer). Others may say that the system detects that you have arbitraged your money.

Okay, now the key is here (maybe you were indeed hit by what he said, but don’t feel so guilty, let alone hang up the phone).

At this time, you should tell him that your credit card has not been used as cash, and is all real consumption. This is the first step.

In the second step, you said that I didn’t use the card well, but I don’t know how to use the card well. If your bank or system thinks that I have arbitraged my money, why don’t you? He told me the first time and didn't send any text messages or anything like that. They immediately lowered my card and blocked it.

It is recommended that you keep an appropriate limit of 20-25 for swiping your card, diversify your consumption, and make a few overseas purchases if possible. You should also pay attention to the number of times you swipe your card, at least a dozen purchases a month.

Many cardholders receive such a text message and are worried that their card limit will be reduced. However, so far, there has not been a large number of risk control reductions, so this kind of "warning" text message , there is no need to be overly nervous. When you receive a text message, first go to the customer service to ask why you received this text message. During the communication with the customer service, you understand the reason, and then you can make adjustments or changes based on your actual situation. .

Pay attention to the way you swipe your card during the epidemic:

In addition to controlling not to swipe the card empty when using a credit card, you also need to avoid overdue payments. The most important thing is to choose a card swiping machine. Be sure not to use it. Code hopping machine. The so-called code hopping means that "the MCC code of the merchant who swiped the card is inconsistent with the MCC code of the merchant who actually passed the UnionPay official website." In other words, you clearly swiped the Shangri-La Hotel in Beijing, but when you checked on UnionPay, it was Beijing Hualian Supermarket. Merchants with reduced or reduced rates may even randomly jump to Beijing to pay electricity bills, water bills, hospitals and other preferential 0-rate merchants.

This kind of code hopping is a scam. There is no doubt that it cannot be used. Why do some payment companies still require code hopping despite national regulations? The main reason is that the profit is too high. As long as there is benefit, someone will go. Yes, this is the root cause of code hopping.

For example, credit card limit reduction, Huabei credit limit reduction, and Jiebei credit limit reduction. There are actually many such negotiation skills, of course the most important ones are reasonable ones. You have to learn, learn, learn this! In the past few days, many netizens have asked about negotiation skills, how to explain the steps?

So, if you use a credit card for turnover, you need to pay attention. It is very likely that if you still use it, the limit will be reduced. If you don’t reduce the limit, you may not be able to use it. When it comes out, you need to prepare for it in advance.

Let me give you a financial jargon: All your wealth is oscillating in your cognitive and wealth space?

Let every family have at least one person who understands money. It should be What a meaningful thing!