If overdue repayment often occurs, the bank will think that there is something wrong with the cardholder's repayment ability, and then reduce the credit card limit.

2. Cash withdrawal exists:

If the cardholder cashes out illegally, once it is detected by the banking system, the bank will take the initiative to reduce the credit limit or suspend the use of credit cards.

3. Less frequent use:

If the credit card is not used for a long time, the bank will think that the cardholder does not need such a high limit, and this behavior will also waste the bank's credit limit resources, so it will urge the cardholder to use the card by lowering the limit.