As we all know, the credit card limit is not fixed, and banks will conduct post-loan management irregularly according to the credit status and card usage of cardholders, so as to decide whether to increase or decrease the credit card limit. Although it is a good thing to increase the quota, for users with weak self-control, excessive quota has become a sweet burden. In case you can't control yourself to spend all the money at once, it will be "cool" not to pay the money. I heard that credit cards can also actively reduce the limit, so can they be restored after the reduction?

First of all, it should be clear that credit cards can be adjusted according to the needs of cardholders. This includes adding, reducing or suspending functions. Therefore, it is not illegal to reasonably adjust your credit limit within a reasonable range. Secondly, in practice, most banks provide the service of "applying for reducing the credit limit". The specific operation process is also very simple: the cardholder only needs to log in to the online banking or go directly to the counter to handle the relevant formalities.

Of course, before choosing whether to reduce our credit limit, we need to carefully weigh the risks and pros and cons:

Advantages: By actively reducing the credit limit under your own name, you can prevent excessive borrowing and over-budget shopping. This can help personal finance to some extent. When the original large credit line is no longer needed, the financial pressure and risk caused by excessive overdraft under unknown circumstances such as unexpected events can be avoided by actively reducing the credit line.

Disadvantages: Frequently adjusting or actively reducing your credit limit may be considered by banks to have certain information of "suspecting the customer's qualification". These records may have an impact on individuals who apply for other financial services products (such as housing loans, car installment purchases, etc.). ) in the future.

Need to remind everyone that it is not so easy to upgrade back after the credit card limit is lowered. No matter how excellent the cardholder's qualification is, if you want to increase the quota, you have to reapply for the quota, and the banking system will also conduct a new round of comprehensive evaluation of the cardholder's personal qualification and card use. If the cardholder has sufficient repayment ability and good habit of using the card, there is no need to apply for voluntary relief. After all, it is not easy to keep a good credit card. Everyone should "use it well and cherish it".