1, abnormal card use behavior
While strictly implementing regulatory requirements and risk control, banks will closely monitor the use of cards by financial consumers and classify risks into three levels according to the risk level of consumers. When a financial consumer holds a card, the bank finds that there is high risk in his account according to the abnormal situation of using the credit card, such as overdue, and will reduce the credit card limit according to the contract signed with the financial consumer, which is also a manifestation of the bank's risk control on the credit card.
2. Incomes do not match. In general,
At first, the bank will set an initial limit for you according to the actual situation of financial consumers. For example, if your credit card limit is 30,000, you usually only use 1 10,000 per month, which will make the bank feel that you don't need so much credit, so they will choose to reduce the credit limit. Or your spending limit is too high and you don't have enough repayment ability to make the bank suspect that your credit card will be swiped.
3. Consumption is too single.
Banks want financial consumers to diversify their consumption. When financial consumers only spend in the same kind of merchants in a short period of time, and the number of spending transactions is small and the limit is basically used up, banks will suspect that financial consumers have abnormal consumption behavior, thus appropriately reducing the credit card limit of financial consumers.
4. Personal credit information is tainted.
Credit information is very important to every financial consumer. Once the credit information of financial consumers is defiled, it shows that they have had bad behavior when using credit cards, and the credit limit of credit cards is inseparable from personal credit information, and bad credit records are often the reason for the decline of credit limit.