The application threshold of credit cards is lower than that of loans, and consumption can be interest-free, so many people will apply for credit cards to meet their own consumption needs, which makes the holding of credit cards grow day by day. However, many card owners will like to prepay after using credit cards. It is reasonable to say that prepayment is a good thing, but it was unexpectedly reduced. So, why is the prepayment of credit card reduced? analysis of the reasons for the reduction of credit card prepayment. 1. Some card owners who can't make a profit prepay their loans in installments at one time, and we all know that credit card installments are subject to handling fees, which is also one of the sources of bank profits. However, some banks pay back in advance, and the remaining unpaid fees are not paid, which will lead to less profits and less money earned by banks. It is likely that they will be angry with the card owners and simply reduce the credit card. Second, there is a suspicion of cashing out. Many card friends often repay their bills in advance, in order to create bills and give banks a false phenomenon of good repayment ability. But they will find a way to get the money back after the bill date. If the number of operations is more, the bank will easily find that your card usage is abnormal through big data. If you think that you are cashing out, then what is waiting for you is the end of the card reduction. Third, its own reasons In fact, most cardholders' credit cards may not be reduced because of early repayment. After all, banks make comprehensive scores based on the current card usage and credit standing of cardholders, and adjust the credit card quota irregularly. So it may be that the current comprehensive score is not high, and you just repaid in advance, so you will meet together, and naturally think that prepayment leads to the reduction. The above is the introduction of "credit card prepayment reduction". If the amount of your credit card is reduced after prepayment, it is probably caused by the above reasons. In fact, when you use a credit card, you just need to repay it on time and use it normally. You don't have to repay it in advance, sometimes it's not necessary.