Remedial measures for credit card reduction: repay credit card arrears on time in each period; Try to choose full repayment; Pay attention to the diversity of consumption; Only brush 80% of the credit line every month; Handling other financial business in the issuing bank; Spend more. As long as the user adopts the above methods, the bank will quickly restore the credit card limit after the credit card limit is reduced.
Credit card degradation is generally caused by users' illegal use of cards. As long as there is no violation in the follow-up and a good credit record is maintained, the reduced amount can be restored.
Remedial measures for credit card reduction: repay credit card arrears on time in each period; Try to choose full repayment; Pay attention to the diversity of consumption; Only brush 80% of the credit line every month; Handling other financial business in the issuing bank; Spend more. As long as the user adopts the above methods, the bank will quickly restore the credit card limit after the credit card limit is reduced.
Credit card degradation is generally caused by users' illegal use of cards. As long as there is no violation in the follow-up and a good credit record is maintained, the reduced amount can be restored.
What if the credit card is deducted? Don't worry, special cheats teach you to quickly restore the quota!
For cardholders, of course, it is hoped that the higher the credit card limit, the better. However, many cardholders find that their credit card limit has not been increased, but has suddenly been reduced, especially during this period, a large number of cardholders have been reduced. What shall we do? I'll give you four ways.
1. After the reduction, call customer service to ask the reason for the reduction. If the customer service is based on the system evaluation, it can directly complain and ask for a refund of the annual fee generated in the process of using the card. Unilateral reduction is a bank default.
2. Curve 2 card means reapplying for a second card, and some banks independently review the second card, so there is a certain chance that the amount of the second card will be restored to the original amount or higher or lower than the original amount.
3, continue to use, maybe one day you can impress the bank to continue to raise the amount. This probability is very low, and it is rare to see that card friends can raise the amount normally after reducing the amount.
4. Apply after half a year of account cancellation. Many banks stipulate that closing accounts for more than half a year is a new account. If you pass, you can get another starting gift. If you are still directly rejected by the bank, you can continue to push in another position.
How to reduce the credit card limit?
If the credit card limit is reduced, users can increase the limit by the following methods: in the process of daily card use, more stages are used; In the process of swiping the card, we should pay attention to the following points: First, swipe the card more and spend at least 25 times a month; Second, diversified consumption, it is best to brush more merchants with high rates, and don't just stare at catering or wholesale merchants; The third is to cooperate with overseas aircraft.
The credit card limit is lowered, usually because the system thinks you are suspected of cashing out, or you haven't used it for months. If you want to increase the credit card limit, I suggest that your credit card consumption should be diversified and phased appropriately. Even if you cash out, don't be on the same POS machine, and try not to brush integers during normal working hours.
There is another way to increase the credit card reduction and exemption:
Countermeasure 1:
Spend more. If you can use a credit card, use it. If the credit card has a large amount, you can swipe it several times. If the number of swipes increases, the credit card will not be downgraded.
Countermeasure 2:
Timely repayment and high consumption can reflect your spending power and good credit, so that the bank will not reduce your quota, and may take the initiative to increase your quota, because banks like high-quality customers who spend more and repay in time.
Countermeasure 3:
Participate in bank credit card activities. Everyone should strive to actively participate in every credit card preferential activity launched by the bank, not only to get points and cashback benefits, but also to accumulate credit.
What if the credit card is deducted?
Whether the credit card has been reduced or not, the most important thing is to see why you have been reduced, and then take relevant remedial measures. Let's look at the main reasons for the decrease of bank credit cards. Since the second half of 20 18, the credit card risk control work of many banks has been significantly strengthened, and many netizens have been deducted points or even directly sealed because of irregular card use. Among many banks, Guangfa Bank and Ping An Bank. This has become the hardest hit area for losing envelope cards.
That's all for the introduction of how to reduce the credit card.