If your Everbright Bank credit card limit suddenly drops, there may be the following reasons: The bank suspects arbitrage: If you frequently recharge Alipay through your credit card, or spend a lot of money on the billing day, especially after being charged by the bank If you frequently swipe your card at merchants that believe there is a cash-out risk, the bank will judge your usage behavior based on its internal evaluation standards. If it is deemed that it is not due to real consumption needs, it may take derating measures. Insufficient activity: If the number, type, and amount of your monthly credit card purchases are small, the bank may think that you are not fully utilizing your credit card limit. In this case, they may lower your limit to allocate it to more People who need to use it. Not participating in preferential activities: Banks often launch credit card consumption promotions and points activities. If you rarely participate, the bank may think that you are not enthusiastic about using the card and adjust your credit limit allocation.

To solve the problem of derating, you must first ensure that your consumption behavior complies with the bank's usage specifications and try to avoid being misjudged as cashing out. Increase the frequency of credit card use, allocate the consumption amount reasonably, and actively participate in bank promotions to show your activity and consumption needs, which will help increase the limit. Maintaining good communication with the bank and explaining your consumption situation can also help solve the problem of limit adjustment.