1. Suspected of cashing out:

Cardholders often spend money on Taobao. com, frequently make large transactions and buy a large number of virtual goods with credit cards. The issuing bank will think that the cardholder is suspected of cashing out the credit card and put the credit card on the list of suspicious transactions, which will generally reduce the amount or even stop the card.

2. Regular overdue behavior:

Cardholders often fail to repay credit card bills on time, and banks will doubt cardholders' repayment ability and think that there is a greater risk of default, so they will reduce the credit limit.

3. Long-term non-use:

If the credit card of CITIC Bank has not been used for more than half a year, the credit card that has not been used for a long time will not only have serious security problems, but also waste the credit line and be easily downgraded by the bank.

4. Excessive cash withdrawal or installment payment:

Cardholders often use credit cards to withdraw cash or apply for credit card installment, which is easy to be suspected by banks of insufficient repayment ability or useful card risk, and it is very likely to reduce the amount.