How to return the credit card at night 10? 1, illegal card use. The general credit card application platform will be subject to risk control because it swipes the card during abnormal business hours, often swipes the card on the same POS machine, or has risky behaviors such as lump-sum deposit and withdrawal. In this case, the cardholder must first contact the bank to explain that it is normal to swipe the card and provide the corresponding consumption voucher. The bank will only restore the quota after finding out the situation, otherwise it can only increase the quota slowly by swiping the card.

2. Frequent minimum repayment or frequent installment payment. Under normal circumstances, cardholders with poor financial conditions will have a higher risk of overdue and have no stable repayment ability, so banks will naturally reconsider whether the credit line granted to cardholders is reasonable. Under normal circumstances, most banks choose to reduce the credit line to avoid risks. If the situation is serious, they will be banned. If you increase your personal income, you still have to pay it back in full in the future. If you have money, you should pay it back in advance in installments, which can also reflect your repayment ability. Moreover, after the reduction and exemption, you have to continue to use the card every month, spend more on the card, and repay it in full and on time. It is possible to raise the amount by using the card for half a month.

3. Personal debt is too high. After issuing credit cards, banks often inquire about users' credit reports from time to time to understand their debts. If users are found to have borrowed from a number of banks or online lending institutions, they will think that their debt ratio is too high and take measures to reduce the quota. In order to solve this situation, I suggest that you cancel the unused credit cards, then pay off part of the loan arrears, reduce the debt ratio, and then increase the quota by raising cards later.