First of all, credit card malicious overdraft: refers to the cardholder's overdraft exceeding the prescribed limit or time limit for the purpose of illegal possession, and it has not been returned by the issuing bank for more than 3 months after two times of collection. This shows a malicious breach of contract. However, if the repayment is made in time after the deadline, it is not a malicious breach of contract.

Second, the bad credit record refers to the overdue repayment or failure to repay the loan as agreed by the citizens in the bank. Banks submit relevant information to the People's Bank of China, and the People's Bank of China writes the above behaviors into citizens' personal credit records. Such a record is called a bad credit record.

In any of the following circumstances, it shall be recorded in the bank's bad records:

1. Customer's current situation in the Bank's personal credit information system or bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ) overdue, or have a bad record of overdue for more than 90 days within one year (that is, the overdue status flag is "4").

2. Knowing that the customer has any of the following circumstances through other credit channels:

(1) Being listed in the bad customer information database of banks, peers or credit reporting institutions due to illegal card use;

(two) the defendant has a major lawsuit or arbitration and other legal disputes;

(3) maliciously defrauding bank funds;

(4) Having a criminal record during his imprisonment or in the last seven years.

3. Other bad credit behaviors identified by the issuing bank.

4. The customer has a bad record of more than 60 days overdue in the bank credit information system within 12 months (that is, the overdue status flag is "3").

Third, Alipay can increase the quota! Alipay is bound to a credit card. As long as the credit card is repaid on schedule, the credit limit will be higher and higher, and it is convenient for Alipay to bind the credit card. You can get a credit card with automatic repayment, as long as the funds in Alipay are sufficient.

Fourth, credit cards will lower the limit. There are several reasons:

The user takes the initiative to reduce the quota; Banks found various illegal cash withdrawals such as online cash withdrawals, so they reduced the quota; ; If the credit card is overdue for more than 60 days, the bank will reduce the amount; Some unexplained doubts of banks will also reduce the quota; Credit cards are not used for a long time, and the limit is reduced.