Many cardholders have been using their credit cards regularly, and their debts are not very high. The withdrawal application was rejected by the bank, or even the amount was reduced by the bank, which may be caused by rigid deduction. In view of the fact that many people don't know much about rigid deduction, here is a brief introduction to the relevant content.

1. What do you mean by rigid credit card debit?

According to the regulatory requirements, commercial banks should consider the credit lines obtained by other banks when approving credit cards or adjusting credit lines, that is, subtract the total credit lines obtained by other banks from the total credit lines approved by the Bank, which is a rigid deduction. If the maximum credit line is greater than the line after rigid deduction, there is room for withdrawal, otherwise it cannot be withdrawn.

For example, if the maximum credit line approved by China Construction Bank for Ms. Li is 80,000 yuan, Ms. Li's CCB credit card is 20,000 yuan, and there are three bank credit cards, namely, ABC credit card is 20,000 yuan, CCB credit card is 6,543.8+0,000 yuan, and Ping An credit card is 20,000 yuan, then Ms. Li's rigid deduction line is 70,000 yuan, so there is still room for withdrawal of 6,550 yuan.

Second, how to break the rigid deduction of credit cards?

In fact, rigid deduction means that the total credit line is too high, and there is only one solution, that is, reducing the total credit line, which is consistent with the reduction measures taken by many banks. However, it is usually necessary to cancel one or more approved cards after paying off the debts. The total credit line is reduced and the rigid deduction line is increased.

One thing to note is that the cancellation of credit cards depends on whether to return the card or cancel the account. If there is only one card in the name, it is recommended to cancel the account. If there are multiple cards, choose to cancel the card.