The major banks have very strict control over credit cards. With the increasing risk control of credit card application platform, many cardholders' credit cards have been downgraded. However, the reduction of credit cards is not accidental, but generally a precursor. So, will there be a notice of credit card reduction? These precursors need attention!

1, received bank warning. For example, if you receive a phone call or text message from the bank to remind users to use credit cards for personal consumption, it means that the bank is warning users not to have abnormal transactions. If you think it doesn't matter, and frequently swipe large cards, it is easy to be downgraded by the bank.

2, more than half a year did not mention the amount. Generally, there is a time limit for withdrawing cash by credit card. For example, the temporary quota is adjusted every three months and the fixed quota is adjusted every six months. If the credit card has a monthly credit card spending, but the bank has not increased the quota for more than half a year, it means that the credit card has been on the bank's gray list. If the cardholder does not use the card properly, the amount may be reduced.

3. Credit card can't be phased. Including bill installment, cash installment, etc. The card is generally used normally. If there is a limit, the bank will let everyone handle it. If you can't apply for installment, it means that the credit card is on the gray list and the user is locked in a dark room. There is no standard card in the future. As long as it is detected by the bank, the amount will be reduced.

4. There is no special installment quota. Many banks provide special installment quotas for users who use their cards well, which can be used for consumption or withdrawal. If there is no quota, or if there is a quota but the application is rejected, the credit card may not be subject to risk control, and it is very likely that the quota will be lowered.

5. Restrictions of specific merchants. It refers to the prompt restriction when a merchant fails to trade, but it is possible to trade with another merchant or POS machine. Although it has not been reduced, it is only temporary, which will also lead to blacklisting of credit cards and reducing the quota.

It can be seen that credit card downgrade is a precursor, and users can judge whether their credit cards will be downgraded according to the above situation. In addition, if users want to use credit cards for a long time, they should maintain good card use behavior and repay them in full and on time.