If a credit card customer of Industrial Bank makes an overdue payment while using the card, the bank will determine that the customer is unable to repay and downgrade him; when the customer's credit card is not used normally , the bank’s risk control judgment is that the credit limit is low due to arbitrage; the credit card account number is abnormal and there is a risk of being stolen. In order to avoid losses, the bank will lower the credit card limit; because the customer has not used an Industrial Bank credit card for a long time come to spend money, so the bank feels that the customer no longer needs this limit, so it lowers the credit limit of the credit card; if part of the credit card limit is a temporary limit, then the temporary limit will be recycled by the system when it expires, so This will result in a reduction in available credit.

Has Xingye been in a dark house if it can’t make installments?

If Xingye cannot make installments, it is in a dark room. After entering the black room, you can neither make installments nor cancel the account. After paying all the arrears and non-performing loans, you must go to the bank and issue a settlement certificate before you can cancel the account. Users can also consult the relevant local banks.