In our life, consumption in advance has become popular, and credit cards have become an indispensable payment tool in life. The use of credit cards has solved many problems for people to a certain extent, but it is precisely because of the existence of early consumption tools such as credit cards that it is difficult for people to save money or even pay back credit cards. Simply borrowing money to pay back the money is very common in society.

For cardholders, everyone wants to get a higher credit card limit, but it is necessary to use credit cards correctly and healthily. A good consumption record can not only protect the original limit, but also make it easier to increase the credit card limit. However, recently, some cardholders found that not only could they not raise the amount, but they even reduced the amount. Why is this?

According to the 265438+20th Century Business Herald, many people posted on social media and online complaint platforms that their credit card limit had been lowered. One user's credit card limit directly dropped from 50,000 yuan to 1 10,000 yuan, and another user even dropped from 1 10,000 yuan to zero.

It is reported that Guangfa Bank, China CITIC Bank, Bank of Communications, Industrial and Commercial Bank and other banks have taken measures to reduce the quota. This also means that many credit cards will be downgraded. Some insiders believe that this strict risk control measure may last for some time.

As we all know, when banks began to implement strict risk control, there must have been some confusion, which led to strict supervision and handling of banks. In this round of credit card fee reduction, these cardholders have become the target of banks, and they have been maintaining the normal and reasonable use of credit cards.

According to the "Overall Operation of Payment System in 20 19" issued by the central bank, by the end of 20 19, the accumulated outstanding balance of credit cards reached 17.37 trillion yuan, up by 12.78% year-on-year. The balance of credit card payable was 7.59 trillion yuan, up 65,438+00.73% year-on-year. The amount of credit card overdue for 6 months is 74.266 billion yuan.

In addition, according to the 20 19 annual reports of several banks, the non-performing loan ratio of credit cards is on the rise. In addition, "downgrade" is mainly to prevent long-term credit risks, targeting fraudulent and high-risk customers. Therefore, such cardholders should pay attention to the fact that they are bad users of credit cards.

With the popularity of credit cards, more and more cardholders misuse credit cards, which leads banks to strengthen risk control and sound the alarm for cardholders by reducing the credit card quota. Many cardholders will only be happy for a while, regardless of the consequences, just to meet their own consumption needs. When its own economy is unbearable, it will lead to the increase of its own credit risk.

The appearance of credit card has brought a lot of convenience to our life and made our daily shopping more convenient, but it is also linked to our personal credit. When there are some bad situations in the use of credit cards, it is easy to trigger the risk control of banks, and banks will naturally take measures to reduce risks.

In recent years, the credit of many credit card holders has also been tested in the case of cashing out with credit cards. The bank also lowered the credit limit to remind cardholders of the importance of using credit cards reasonably, so that they can't stop using credit cards and hold high-value credit cards. Good card habits are essential.

To sum up, as cardholders, we should also be alert to the actions of some banks to reduce the amount of cards issued. If the credit card is used improperly, the consequences may be unimaginable.

What do you think of the current consumption in advance? Are you using credit cards, flower beds and other early consumption methods in your life?