1. Overdue repayment: When the overdue amount reaches a certain amount, or it is overdue for many times, the bank will think that the cardholder has maliciously overdrawn, and will unilaterally reduce the credit card limit or stop using the credit card.
2. Illegal cash withdrawal: If illegal cash withdrawal is detected by the banking system, the bank has the right to reduce the credit card limit.
3. Abnormal card swiping: If the transaction types of credit cards are particularly concentrated for a period of time, the bank will reduce the credit card limit according to the abnormal behavior of the credit card.
4. Long-term non-use: For security reasons, banks will reduce the amount of credit cards that have not been used for a long time to avoid serious losses caused by stolen credit cards.
5. The credit card is stolen: the bank will control the risk of every transaction of the credit card. If the cardholder's consumption record has always been in China and there are foreign credit card records, in order to prevent the card from being stolen, the credit limit will usually be reduced to ensure the safety of funds.
Can the credit card deduction be restored?
After the credit card is downgraded, if users want to restore the credit card limit, they need to keep the repayment record and consumption record, and don't use the credit card illegally. After a period of time, if the bank thinks that the user's credit qualification is good, it will restore the credit card limit.