Obviously your limit has been reduced. Generally, the bottom line of the general card limit is 1,000 yuan, and you only have 10 yuan. This is abnormal. The reason may be caused by the following factors:
p>1. Fewer credit card transactions
Banks issue credit cards with a certain limit to cardholders in the hope that cardholders will use their cards to make purchases, and the bank can earn corresponding transaction fees. However, If the cardholder leaves the card idle for a long time after activating it or if the amount swiped per period is very small, the bank will think that you have no need to use the card at all and will lower the credit limit for you.
2. Credit card cash out is recognized by the bank
You swipe your card at the POS machine to cash out or use a Taobao store to swipe your card to cash out. I originally thought that I would not be discovered by the bank because I was doing it covertly, but in fact the bank has a screening mechanism for abnormal credit card swiping behavior. Once it is discovered that you have cashed out your credit card, and the suspicion is relatively serious, the bank is likely to give you a penalty for reducing your credit limit.
3. The credit card is maliciously overdue.
If the credit card is maliciously overdue, the credit card bill has not been paid for a long time or the amount of debt is large, the bank will think that the cardholder is at risk of bad debts, so it may be used as a credit card. Derating processing.
Please see if you are usually overdue, or the number of times you use your credit card and the amount of credit card swiped are relatively small, etc. These situations will cause your current situation.