First of all, you should search on WeChat: card review, and get your own credit card analysis report in real time. You can think of this platform as an indicator score of a person's credit card usage, and you can analyze the cardholder's credit card usage through credit card consumption index, withdrawal probability, cash-out risk, consumption statistics, consumption trend, consumption category and consumption time period. Only by finding out the key to credit card fee reduction can we find out the missing and fill the vacancy more pertinently and optimize personal qualifications:

1. If it is suspected that the bank is cashing out, we can contact the issuing bank to explain. After finding out the relevant reasons, the general bank will restore your credit card limit;

2. If the repayment is overdue, immediately make up the arrears, repay in full, and make a record of using the card so that you can call the bank to apply for the withdrawal amount in a few months;

3. Another possibility is that it is used too little. Everyone can spend more, swipe their cards, broaden the scope of credit card swiping, swipe their cards online and offline, and the swiping time should be logical, avoiding before 6 am and after 12.