Recently, the netizen "potato risotto" posted "swiping a credit card almost became a king's meal! It reflects that my credit card at Bank of Communications was locked for some time because I forgot my password. On June 4th, after spending a credit card, I learned that the credit card limit was lowered from 10000 yuan to 2000 yuan, but I didn't receive the notice of credit limit reduction before. What will reduce the credit card limit? Why is there no SMS reminder for credit card limit change? To this end, the reporter interviewed several banks in Kunming to answer this question.

The Credit Card Center of Yunnan Branch of China Construction Bank said that according to the regulatory requirements, "the card-issuing bank can reduce the credit line for credit cards that have not been traded for more than 6 months under the premise of agreement through credit card collection contracts (agreements), written agreements, electronic banking records or customer service telephone recording."

Some bank staff said, "In the case of tight credit line, if cardholders don't use credit cards for a long time, the bank's credit line to customers will be wasted. In this case, we will inform the cardholder that the credit card limit will be lowered, and the minimum will be lowered to 30% of the original limit. " Another expert explained that credit cards occupy the bank line, which will indeed reduce the credit line. Subsequently, the reporter consulted the staff of Industrial and Commercial Bank, Agricultural Bank and Bank of Communications, and the situation was basically the same as that of China Construction Bank.

Regarding the notification method of reducing the credit line, CCB Credit Card Center indicated that the bank would notify the user in the way agreed with the cardholder in advance before or after the adjustment. As for the problems encountered by netizens, as of press time, the Bank of Communications Credit Card Center has not given a clear answer.

Meanwhile, regarding the credit card cancellation process, the reporter consulted the relevant person in charge of the bank. In the process of using credit cards, users will encounter the problem of annual fee or interest after applying for card cancellation. The bank stipulates that the audit period for card cancellation is 45 days. What are the specific steps?

CCB Credit Card Center gave a clear answer. Although the customer does not have an account payable when applying for account cancellation, the value-added services such as SMS reminder, card replacement, cash withdrawal and overdue repayment handled before this will generate corresponding interest, which will only be settled on the billing date. Therefore, when the card is deactivated, the customer needs to wait for 45 days. If there are no new accounts payable, the credit card can be officially cancelled.