I think everyone understands that the focus now is to keep the existing quota rather than raise it! You may not know that the customer acquisition cost of Bank of Communications is appalling. It is said that the cost of completing the first transaction after each new credit card user of Bank of Communications opens a card is 4-5 yuan RMB. I don't know how the Bank of Communications made up its mind. The customers who have spent such a great deal of money have spared no expense to seal a large number of tens of thousands of cards, which are roughly divided into three types: direct card sealing, direct reduction of the credit card limit to 2,, and restricted installment function, that is, advance.
This paper summarizes the reasons for the general reduction of the credit limit of traffic credit cards. The main reason is that the credit record is overdue, and the others are large total credit, poor capital status, multiple minimum repayments, excessive repayment in installments, long-term high debt and frequent large consumption. Today is different from the past. From the end of the 18th century to now, banks are tightening their risk control, and there are countless cardholders whose cards have been reduced. Some time ago, the traffic required cardholders to provide small tickets or invoices for some recent transactions, and then the reduction began yesterday. It can be seen that banks are gradually moving towards intensive cultivation from the very beginning.
The reason why banks reduce the credit rating of cardholders with excessive credit and excessive debt and poor capital status is because they are afraid that they will become the straw to crush you and become the pick-up man. In addition, there are too many machines with low rates now, and the cardholders' cash-out in large amounts will affect the vested interests of banks. It is also difficult for banks to tolerate that there is only one way to go, and some cardholders who are accidentally injured are dragged down by problematic merchants, who set codes or jump codes, or who often use them for cash-out. By the bank's risk control, as long as it is brushed, the old railway will unfortunately be affected. The last one is that the central bank forces commercial banks to implement the "rigid deduction" policy, which is also the main reason for the reduction.
how to remedy it? In fact, everyone should understand that it is almost impossible to restore the previous quota in a short time. At this stage, only by standardizing the use of cards and trying to reduce debts can it not be affected, especially those cardholders who rely on credit card turnover. Once they are controlled by the wind, there is a risk that the capital chain will collapse, and the bank's risk control will only become more and more strict. This is the process for banks to identify high-quality customers, and the cold wave of large-scale quota cooling will continue for some time, so cardholders can do it and cherish it!