There may be three reasons:

1. Temporary line expired:

Often the bank will give the cardholder a sum of money from time to time. All that can be mentioned is temporary quantity. When it is superimposed on a fixed quantity, it gives people the illusion that it is a fixed quantity. In this way, after using the temporary quota, the repayment will offset the used quota, and then the available quota will be restored, so the quota will be reduced.

2. Over-quota is used:

Many banks open over-limit services by default. On the basis of using up the fixed limit after the last consumption, they can also overdraw the limit of 5~ 10%, which will be displayed as a negative value in the credit card limit. Fill in the negative part first, and the remaining repayment amount will be restored to a fixed amount.

3. It was degraded by the wind;

Many card friends did not use credit cards for personal daily consumption according to the credit card contract, but cashed out or invested in wealth management, which triggered the bank's risk control system and immediately reduced the amount after repayment.

Extended data:

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.

The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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).

The main features of credit cards:

① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and social demand.

What if the credit card is deducted?

1. Self-application: You can try to raise the amount by calling first. If you fail, you can only increase the amount through the good habit of swiping more cards and repaying on time.

2. Credit card cashing: If it is because the bank reduces the amount of similar cashing and monitors risks, it needs to conduct normal transactions afterwards and abide by the credit card rules, the amount can be increased.

3. Credit card overdue: If the credit card is overdue, the amount will be reduced, and you can apply for withdrawal after a certain period of time.

4. Bank risk control: Sometimes bank risk control will also reduce the credit line. You can contact the bank to request that the credit line be transferred back.

Bank-related people pointed out that credit card holders should avoid unreasonable reduction and exemption, and the most important thing is to spend rationally and avoid malicious cashing or suspicious behavior. If it is found that the normal credit card swiping behavior is accidentally injured, the cardholder should contact the issuing bank as soon as possible to explain the consumption situation and provide the transaction voucher, and under normal circumstances, the normal limit can be restored.

Why is the credit card limit reduced?

1. If the user cashes it when using a credit card. Once discovered by the bank, there will be a reduction in the amount. If the circumstances are serious, criminal responsibility may be incurred.

2. Too many withdrawals. Cash withdrawal is an inherent function of credit cards. If users make too many withdrawals, banks tend to think that users often appear. Therefore, in order to prevent the occurrence of risks, it is also possible for banks to reduce the quota.

3. The transaction is abnormal. This situation can be divided into many kinds, such as credit card theft or monthly maxed out. This may lead to the downgrade of bank credit cards.

4. Overdue repayment. Credit cards belong to the lending products of banks. If the user has overdue repayment, it may not only cause personal credit damage, but also cause the credit card to be reduced or frozen. Therefore, users must pay back on time while using credit cards.

5, not commonly used. After the user handles the credit card, if he doesn't use it often or uses it too few times. Then, the credit card limit will be reduced.

What if the credit card is deducted?

Whether the credit card has been reduced or not, the most important thing is to see why you have been reduced, and then take relevant remedial measures. Let's look at the main reasons for the decrease of bank credit cards. Since the second half of 20 18, the credit card risk control work of many banks has been significantly strengthened, and many netizens have been deducted points or even directly sealed because of irregular card use. Among many banks, Guangfa Bank and Ping An Bank. This has become the hardest hit area for losing envelope cards.

Reasons for lowering credit card limit

1. Reasons for the decrease of credit cards

1. Credit card overdue: It often happens that credit cards are overdue, and banks are most likely to reduce the quota. If you don't pay the bank back often, the bank won't dare to lend you so much. If the credit card is overdue for more than three periods, the bank will charge interest and late fees to the cardholder who has overdue repayment. When overdue occurs for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior, and it is risky to continue to provide revolving credit, and will unilaterally stop using the credit card.

2. Illegal cashing of credit cards: the risk of illegal cashing or raising cards. Many cardholders will pay attention to cashing out their credit cards when the cash flow is insufficient. In fact, this is also of great concern to banks. The issuing bank will either reduce the credit limit of the cardholder's credit card or suspend the cardholder's credit card use according to the cardholder's specific situation.

3. Abnormal credit card swiping: the account is abnormal, which usually occurs in "cashing out". 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 the bank to suspect that it is cashing out, or the bank thinks that the credit card is risky, swipes the credit card on the risky POS machine, or the system prompts that the credit card has been hacked.

4. Credit cards may be stolen: Credit cards are considered to be at risk of being stolen. For example, someone has been trading in China, and suddenly one day the bank finds that this person has made several transactions abroad, and the bank will take the initiative to call the customer to confirm whether it is my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit through cardholders to prevent the credit card from being stolen, or even stop the card for security reasons.

5. Less credit card: If your 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. For this kind of sleep card, lowering the quota is also beneficial. Once there is a stolen brush, the loss will not be so serious.

6. Long-term non-use after activation: If the credit card is not used for a long time, it is equivalent to a dormant card, and it may also be reduced. Because users apply for credit cards, even if there is no overdraft, the credit line will occupy capital and reduce the bank's capital adequacy ratio. It is hoped that cardholders will make up for this part of the cost and increase their income by using their cards and swiping cards to contribute handling fees. If the cardholder doesn't use the credit card for a long time, the bank will think that you don't need to use the card and will lower the limit for you. The credit card limit is lowered, and the bank aims to reduce the capital occupation.

Second, what should I do if my credit card is reduced?

If you want to restore the quota, you have to prescribe the right medicine and contact the credit card issuer to see if there are any mistakes and how to avoid such mistakes next time.

This concludes the introduction of the credit card limit being reduced and how to restore it. I wonder if you found the information you need from it?