Bank of Communications' credit card will not be lowered after it is frozen, and the bank will not take the initiative to lower the user's credit limit just because of this. Reducing the credit limit is a process of comprehensive evaluation, and it will only be reduced after comprehensive evaluation. The factors affecting the downward adjustment are as follows:

1, Credit Card Violation Settings-Now

"If the system detects a credit card violation setting, the credit card limit may be reduced. If the cash amount is large, it will not only affect the personal credit record, but also be directly stopped by the bank. If the circumstances are serious, criminal responsibility will be investigated. " Credit card violation settings-now is the focus of banks.

The characteristics of set-now are generally obvious. Some of them repeat large credit cards on POS machines, or pay back money on interest-free days for up to 50 days every month.

2. The credit card is maliciously overdue

If the credit card bill is overdue for a long time, or the amount owed is large, the bank will think that the cardholder has the risk of bad debts and may reduce the credit card limit; If it is serious, personal credit records will be affected.

3. Abnormal credit card account

This kind of situation is usually stolen. For example, cardholders have been trading in China. Suddenly, one day, the bank found that this person had swiped several foreign transactions, and the bank would take the initiative to call the customer to confirm whether it was my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit of cardholders through cardholders to prevent theft.