Generally speaking, credit cards may be downgraded for the following reasons:
1. overdue. If the credit card is often overdue, it is easy to be reduced by the bank; When the credit card is overdue for more than three periods, or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior, and the risk of continuing to provide revolving credit is greater, and will unilaterally stop using the credit card and reduce the amount to zero.
2. Cash out in violation of regulations. The risk of illegal cash withdrawal or card raising will make the issuing bank either reduce the credit limit of the cardholder or suspend the use of the cardholder's credit card according to the cardholder's specific situation.
3. Abnormal credit card swiping or risky trading. This kind of situation will also generally appear in "cash out". If there are a large number of credit card transactions in a certain period of time and the types are particularly concentrated, it is easy for banks to suspect that they are cashing out, or banks think that credit cards have risky transactions, and they will reduce the quota or freeze them.
4. Risk of brush theft. When credit cards are considered to be at risk of being stolen, for example, domestic credit cards that have been used for a long time suddenly find foreign transactions, banks will take the initiative to call customers to confirm whether it is my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit through cardholders to prevent the credit card from being stolen, or even stop the card for security reasons.
5. Less credit cards. If the credit card has not been used for more than 5 months, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems. For this kind of sleep card, lowering the quota is also beneficial. Once there is a stolen brush, the loss will not be so serious.
6. Do not use it for a long time after activation. If the credit card is not used for a long time, it is equivalent to a dormant card, and it may also be reduced. Because users apply for credit cards, even if there is no overdraft, the credit line will occupy capital and reduce the bank's capital adequacy ratio. If the cardholder does not use the credit card for a long time, the bank will think that you have no need to use the card and will lower the limit for you. The credit card limit is lowered, and the bank aims to reduce the capital occupation.