Everbright Bank has always been regarded as a "relatively tolerant" bank. In contrast, other banks have stricter risk control on credit cards. Recently, however, the credit cards of China Everbright Bank have also begun to carry out large-scale risk control on cardholders, and related cardholders have been reduced or even banned.

Why did you downgrade your credit card?

Most people under wind control have the following "common diseases", and these "common diseases" are the main reasons for this degradation:

1. Overdue credit card and small loan: overdue small loan is the most "fatal" reason. After this Everbright loan, the management accessed the credit information and found that most of the cardholders in loans overdue were directly downgraded, but a few people were not "hit".

2. Long-term minimum repayment, empty card and repayment: Through observation, it is found that this kind of card friends are also the "main force" to crack down on Everbright Credit Card. In fact, staging is indeed conducive to the increase of the quota, but in the long run, it will be regarded as "the performance of lack of money" by banks. Although this is almost well known, it is clear that Everbright's move is to be "stable, accurate and ruthless".

Third, the debt is high: there are no problems such as small loans overdue and long-term empty card repayment. Friends who are still "recruited" can review whether their debts are too high, which is also the result of "machine selection".