Many cardholders said that after repaying their credit cards in full and on time, their credit card limits were reduced, and they wanted to know the reason. In fact, it is probably caused by the credit card application platform lowering the credit limit. However, banks do not reduce the limit for no reason. So, why is the limit reduced after credit card repayment? It may be caused by these reasons!

How to reduce the limit after credit card repayment? thing?

1. There is any violation of card usage. Users who frequently rectify their credit card swiping or frequently empty their cards, or who often swipe out all their credit cards after repayment, as well as those who often swipe their cards at discounted POS machines, must know that these are abnormal card usage behaviors and may bring consequences to the bank. There is a greater sense of risk and crisis. Therefore, when banks discover that users have these behaviors, they will definitely take measures to reduce the amount or block the card.

2. Overdue behavior often occurs. In the process of using a credit card, it is best for users not to commit any irregularities, especially overdue behaviors. Otherwise, the bank will consider there to be a high risk of borrowing, so the limit will be reduced after the user repays the loan. Therefore, when using a card, it is best for users to maintain good card usage behavior and repay the balance in full and on time.

3. Weak repayment ability. The card issuer can judge the user's repayment ability through the user's card usage behavior. If the user has used the minimum repayment amount for a long time, or often makes installments regardless of the bill amount, it means that the user's current repayment ability is relatively weak. , there is even a risk of overdue payment, and the amount may be reduced after repayment.

4. The frequency of card use is low. The purpose of issuing credit cards to users is to allow users to swipe their cards to make purchases. Only in this way can the bank earn profits. However, if a bank issues a credit card to a user and the user's monthly credit limit is less than 10% of the credit limit, the credit limit will be reduced even if the user repays the credit card in full and on time every month.

Therefore, users should pay attention to their card usage behavior when using cards to avoid overdue or infrequent card usage, otherwise the card will be derated or blocked. It is recommended that users should pay attention to maintaining good behavior when using the card, and avoid over-spending, otherwise it will easily be overdue and result in a reduction in credit limit.