China Merchants Bank did not adjust the customer's batch quota. The bank's credit card limit management is adjusted in real time with the whole life cycle of the card, which belongs to a dynamic process, not static. As one of the normal risk control measures, customers with abnormal situations such as the decline of comprehensive score and the deviation of card use behavior will be adjusted regularly.
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Reducing the quota is an important means for banks to prevent and control credit card business. Most of the customers who have been reduced have illegal transactions such as cashing in the card, and even overdue repayment. Some customers regard credit card quota as a pursuit, but in fact, credit is measured and ups and downs, not just ups and downs.
Credit card quota adjustment is regarded as one of the means for banks to strengthen risk control. In fact, it is also the general trend for banks to strengthen risk control. Different banks have different risk control strategies and target settings at different stages of credit card business development.
Some banks with a large credit card user base may pay more attention to the user level and non-performing rate, that is, emphasize risk control; For most city commercial banks, the growth of credit card business is still more important.
People's Daily Online-The credit card business of banks is increasing, and the risk control is becoming stricter.