Getting a credit card means being able to borrow a sum of money from the bank for consumption or turnover. It can be said that credit cards are very convenient for people’s daily consumption needs.

According to data, as of the end of 2017, the number of credit cards and debit cards in use totaled 588 million, a year-on-year increase of 26.35%; the average number of credit cards held by people nationwide was 0.39, a year-on-year increase of 25.82%. It can be seen that credit card swiping has always been one of the most popular modes of advance consumption among the general public.

When it comes to credit cards, what many cardholders are most concerned about is how to increase their credit card limit.

At the same time, they will also try every means to increase their credit card limit so that they can get more funds from the bank for use or for emergencies.

However, now there are new regulations on credit cards;

On May 11, China CITIC Bank issued a policy that "will start from May 18, 2018, on credit cards that have not been used for more than six months." "Proceed to carry out the amount processing".

Cardholders who are trying every means to increase their limit and then want to use this money to prepare for emergencies may be heartbroken. Then

For those credit cards that have not been used for a long time, let alone raising the limit, it is good if the limit is not reduced!

However, after seeing this news, I searched for Xiaoxiao Finance In related news, we have not yet discovered that other banks have issued similar regulations.

As for whether other banks will follow up on similar matters in the future, it is hard to say.

As for CITIC Bank’s requirement to reduce the limit of credit cards that have not been used for 6 months, many netizens said that the reason why the credit card has not been used for too long is not because of the low limit. Since CITIC Bank wants to handle it, let it handle it. .

However, Xiaoxiao Finance, I want to say that if you want to increase the credit card limit, it will definitely not work if the credit card is used less.

Moreover, if you do not make enough transactions, you may have to deduct an annual fee. If you do not repay the annual fee on time, it is very easy to cause a bad personal credit report.

CITIC Bank undoubtedly wants to integrate funds and promote consumption through this branch.

If you really don’t need to use some of your credit cards, it’s better to cancel them as soon as possible!

Otherwise, you won’t have to pay the bank an annual fee for free if you haven’t used them at all, or even let the bank pay them. Your personal credit is damaged.