First, the account is abnormal, which usually occurs in cash withdrawal. If you have a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy for banks to suspect that they are cashing out.

Second, the credit card is overdue and often does not pay back the bank's money, so I won't dare to lend you so much.

3. If your CITIC credit card has not been used for more than 5 months, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems.

According to relevant regulatory requirements, CITIC Bank Credit Card will carry out continuous post-lending management of credit card accounts, including the adjustment of credit limit. Please keep good card habits. If you can adjust the amount, the bank will take the initiative to adjust. If you want to restore the credit card limit of CITIC Bank, you must first find out the reasons for the decrease, and then solve the problem. For example, if your credit card is overdue, you should repay it in full and on time from now on. Don't call China CITIC Bank to apply for canceling the credit line after a while. If the account is abnormal for reasons other than its own, you should make it clear to the bank and ask for a good amount. If it is really caused by your illegal cashing, don't cash out again and use the card reasonably. In short, you should use it frequently, swipe your card more and spend more. After using it for 2 months, you should call China CITIC Bank to apply for restoring the line.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.