The bank sent a text message to remind you that there is a risk of having your credit limit reduced due to abnormal credit card transactions. This is caused by incorrect use of the credit card for a long time. It may also be due to stricter risk control in the general environment, and a large number of users will have their credit limit reduced innocently. , in fact, as long as the credit card has not been blocked, there is still room for maneuver, which means that you need to take good care of the card in future use.

In the process of using credit cards, do not make late payments. If the payment is often overdue, the bank will think that the cardholder does not have the ability to repay, and will reduce your credit limit or even freeze the credit card. Therefore, try not to be overdue during use, even for one day. To prevent yourself from forgetting to repay, you can set a repayment alarm one day in advance.

Abnormal credit card transactions will also have an impact. If the credit card has records of swiping or suspicious transactions in high-risk areas, the bank may reduce the credit limit in order to avoid risks, such as late at night and early in the morning. For multiple transactions or large withdrawals, the bank will also reduce the credit card limit.

Improper cashing out of credit card regulations, such as multiple cash withdrawals in a short period of time, frequent swiping of cards at POS machines of special merchants, using up the credit card limit multiple times in a short period of time, etc., will reduce the credit limit. Although banks have strict regulations on credit cards, Cash-out management has always been relatively loose, but this does not mean that banks really turn a blind eye and let it go. Especially in a strict regulatory environment, banks will have stricter risk controls on credit cards. Once the bank is It will be more troublesome to find out that the illegal cash-out is true. It is not just as simple as lowering the credit limit, but may also require the cardholder to repay in full in advance and take back the right to use the credit card.

These are some of the more common reasons that may lead to card suspension and limit reduction. Since the bank has sent you a message to remind you, it means that you have violated regulations in the recent use of your credit card, and the bank has been targeting you. , so try to improve your credit card swiping habits and slowly restore your card, and your credit limit will increase accordingly.