Under normal circumstances, as long as you don't apply for reducing the quota yourself, the bank will not give you the initiative to reduce the quota.

However, there are also special circumstances. There are about four situations to reduce the credit card limit:

1. The bank thinks that the credit card is suspected of cashing out. For example, cardholders frequently swipe their cards in the same merchant, and it is easy to be identified as suspected of illegal cashing.

2. Long-term overdue or large overdue amount; At this time, the bank may judge that the repayment ability is insufficient and the credibility will decline.

3. The credit card account is abnormal, usually stolen, and the amount is temporarily reduced with the consent of the cardholder to prevent the stolen credit line from causing greater losses;

4. After the credit card is activated, it is not used for a long time, or the amount and frequency of credit card spending are seriously lower than the credit card limit.

According to the landlord's situation, if you don't want to reduce the credit card limit, you can choose to use the credit card occasionally for consumption. As long as you pay in time, this situation should not happen.