How about lowering the credit card limit? Let's talk about this topic with everyone.

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First of all, I want to say that if your credit card is lowered, it means that your consumption is low, or your credit is not so good, so the bank decided to reduce your credit limit.

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The next thing you have to do is to return your overdraft in time every month, and you must return it in time. If you enter their blacklist, it is dangerous.

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Besides, you usually spend more on credit cards. After a long time, they find that you use your credit card more frequently, which will increase your limit.

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Finally, if you want to raise a lot of money, I suggest you provide your own financial proof, such as the running water of your bank or the proof of real estate.

What if the credit card is deducted?

Whether the credit card has been reduced or not, the most important thing is to see why you have been reduced, and then take relevant remedial measures. Let's look at the main reasons for the decrease of bank credit cards. Since the second half of 20 18, the credit card risk control work of many banks has been significantly strengthened, and many netizens have been deducted points or even directly sealed because of irregular card use. Among many banks, Guangfa Bank and Ping An Bank. This has become the hardest hit area for losing envelope cards.

What if the credit card is deducted?

The credit card has been reduced, and the remedial measures are as follows: if the user repays in full every installment, the bank will think that the user has strong repayment ability, thus restoring the credit card limit; Users use about 80% of the credit line of credit card every month, which means that users have strong consumer demand, and banks will consider restoring the credit line as appropriate; Repay in installments on time, and don't use credit cards illegally. This is necessary if you want to restore quotas.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Remedial measures for credit card deduction

Repay on time, adhere to the principle of non-violation in the future, and maintain a good credit record.

Remedial measures for credit card reduction: repay credit card arrears on time in each period; Try to choose full repayment; Pay attention to the diversity of consumption; Only brush 80% of the credit line every month; Handling other financial business in the issuing bank; Spend more. As long as the user adopts the above methods, the bank will quickly restore the credit card limit after the credit card limit is reduced.

Credit card degradation is generally caused by users' illegal use of cards. As long as there is no violation in the follow-up and a good credit record is maintained, the reduced amount can be restored. The credit card limit is not fixed, and it will increase or decrease with our card usage, so it is easy to reduce the credit card if it is not used well. But don't worry, credit card reduction can be restored. Here are some ways to forcibly restore the credit card limit. Let's have a look.

Of course, after the credit card is downgraded, it can be forcibly restored, and it is not limited to one or two methods, mainly based on the reasons for the downgrade of the credit card. The reasons for the decrease of credit cards are generally cash-out, overdue, self-service application and so on. Here, we will find a solution based on these reasons:

1) Credit card cashing: Credit cards are used for consumption, not for cashing. Once you cash out frequently and touch the bank's risk control point, it will be downgraded. But as long as the card is not used, it can still be recovered through normal credit card consumption. Pay more by credit card in advance and repay on time. Generally, the amount can be raised after 6 months.

2) Credit card overdue: If the credit card is overdue for many times or for a long time, it will also be reduced or exempted. In this case, if you want to restore the credit line, you must pay off the debt first, and then call the customer service of the issuing bank to see if you can restore the credit line. If not, you need to keep a good habit of using the card and apply for withdrawal after a certain period of time.

3) Self-application: Many cardholders will automatically apply to reduce their credit card limit for fear of blind consumption or stolen credit. If this is the case, if you want to restore the quota, you can call customer service to apply. If the customer service doesn't agree, you can threaten to return the card, which may force the line to be restored.

What if the credit card is deducted? This will restore the quota in a few minutes.

Many friends are trying to increase the quota. In fact, it is very difficult to increase the quota, and various credit cards are needed. But have you ever thought that the bank may reduce the credit card limit because of operational mistakes? What if the credit card is reduced or exempted by the bank? Is there any way to restore the quota? The following are ways to bring credit card recovery quota to everyone.

How to restore quotas:

1, which was reduced by the bank for being suspected of cashing out. If you make multiple cash installments, you can call the bank to explain the situation, and the bank will restore the limit for the cardholder after finding out.

2. The credit card is overdue for a long time or the overdue amount is large. In fact, the overdue time will be recorded in the personal credit report. It will affect personal loans and credit cards in the future. If you need this kind of demand in the future, you should pay back the arrears as soon as possible and use the card well. After a period of time, apply to the bank for a recovery line.

It's better to repay with your own card, and don't let others pay the bill. If someone else often pays, it will give the bank an unreliable feeling: a person who often needs others to pay for his own consumption may not be able to afford it this time. Maybe I'll lower your forehead next time.

4. Develop a good habit of using cards. When the bank gives a relatively high credit line, it is easier to reduce the line with less money. Banks want cardholders to spend more, so they will approve large cards. But in fact, if the monthly consumption is less than 30%, it may be reduced by banks in the long run.

I still hope that my friends can use credit cards correctly, which can not only avoid being reduced by the bank, but also be raised by the bank more quickly. Doing these things well will be of great help to increase the quota.

So much for the introduction on how to deal with the decline of credit card limit.