1, active derating
In order to prevent the risk of theft, users take the initiative to ask the bank to reduce the amount. Just like credit card users have a lot of needs and want to increase the quota. Unusual, restoring 100% will pass. On the contrary, it is not so easy to ask for a raise.
The credit card account is abnormal, especially when it is stolen overseas, and the bank is slow to handle it. Therefore, if you think you won't use so much credit, you can downgrade your credit card first to prevent greater theft losses.
2. Illegal cashing such as online cashing.
Using Taobao website, transactions are frequent, the amount is large, the transactions are all virtual goods and are all fixed businesses and so on. The issuing bank will think that there is a suspicion of cashing in the credit card, include the credit card in suspicious transactions, reduce the amount or even stop the card. Banks are not afraid of online consumption, but they are very sensitive to cash-out behavior.
Not only online payment, but also all withdrawal suspects are most likely to be reduced, so don't be addicted.
3. The credit card has expired.
If you occasionally forget to return the credit card for a day or two, the bank can actually understand you, but if it takes too long, don't blame the bank.
If the overdue days are more than 60 days or even maliciously overdue, the relief is polite, generally it is card suspension+blacklist+black letter+dunning.
4. Unexplained suspicion
The bank must have a reason, but it is not convenient to say. Reduce customers suspected of cashing out, customers who may be suspected of illegal transactions in automobile sales, insurance companies, real estate companies, building materials markets, etc. There are no points for continuously swiping a large card on a POS machine, and the bank is too lazy to collect evidence, so it will go away.
5. Credit cards are not used for a long time.
The bank has regulations that credit cards may be reduced if they are not used for a long time. In fact, in order to encourage sleep card to use it, banks will take the initiative to raise some money or engage in some targeted activities.