Reasons for reducing the credit card limit of Bank of Communications: 1. Bank of Communications credit cards decreased due to cash-out of credit cards. When using a credit card to cash out, it will be cashed out through online shopping or pos machines. The bank will have a set of identification mechanism to identify the credit card cashing behavior, and give the credit card suspected of cashing the amount first and then stop paying. If the circumstances are serious, criminal responsibility will be investigated. 2. As the credit card is overdue, the credit card of Bank of Communications will be reduced or exempted. If the credit card is overdue for a long time or the overdue amount is large, the issuing bank will respond and reduce the credit card limit of the cardholder to prevent the risk of bad debts caused by serious overdraft. 3. The credit card of Bank of Communications was downgraded due to the abnormal credit card account. When a credit card is stolen, there will often be abnormal credit card accounts, and the bank will temporarily downgrade the credit card with the consent of the cardholder to prevent the stolen credit card from causing greater losses. 4. The long-term non-use of the credit card led to the downgrade of the Bank of Communications credit card. If the credit card is not used for a long time after activation or the amount and frequency of credit card spending are seriously lower than the credit card limit, the bank may also reduce the credit card. First of all, we must understand the reasons for lowering the limit. If it is overdue, you'd better pay back the money as soon as possible, otherwise the credit card will be frozen in the next step.