1. Illegal cashing: The risk of illegal cashing or card raising will make the issuing bank reduce the credit limit of the cardholder or suspend the use of the cardholder's credit card according to the cardholder's specific situation.

2. Frequent overdue repayment: In addition to the suspicion of cashing out, if the credit card holder is often overdue, the bank will think that you do not have the ability to repay on time, thus reducing the amount of your credit card.

3. line waste: if the credit card is not used for a long time, or the long-term consumption amount is less than 30% of the line, the bank will think that the line given to you is wasted.

4. Brush all credit lines at one time: If there are tens of thousands of credit lines, 1 swiping an empty card is easy to arouse the suspicion of the bank. Don't brush all the quotas at once, the energy level reflects the normal consumption.

5. The card amount is large and is an integer: the consumption is an integer amount, which is not in line with the actual consumption and will be considered as cash, so there is a high probability that you will be reduced by the bank.

6. brush out quickly after repayment: many people brush out quickly after repayment on the repayment date because they have no money and don't want to be overdue. Banks will reduce this practice.

7. Short card swiping interval, off-site: within 1 hour, more than 2 cards swiped off-site are easy to be detected by banks.

8. Fixed POS card swiping: Frequent card swiping on the same POS machine is easy to be monitored by wind control.

9. Don't swipe your card during normal business hours: except for supermarkets and hotels that are open 24 hours a day, swiping your card during normal business hours will be considered suspected of cashing out.

10. The law of swiping cards is too obvious: swiping cards has rules to follow: it is not allowed to be timed, scheduled, scheduled or fixed, and swiping cards is not allowed to be regular.

How to recover after the quota is lowered?

The bank won't give you a sudden reduction for no reason. When your acquiring bank informs you that your credit card has been downgraded, don't worry too much. First contact the bank customer service to ask the reason, and then insist on using the card for 3 months, the quota will still be restored. If you don't use the card in a good way, you need more patience to use this credit card. Don't cancel your card just because the bank has reduced your quota, which is not worth the candle.