Yes, limit adjustment is a normal risk control method for banks.

As one of the normal risk control measures, the credit limit will be adjusted regularly for customers with abnormal situations such as decline in overall score and deviation in card usage behavior.

"Derating" is an important means for banks to prevent and control credit card business. Most of the "downgraded" customers have engaged in illegal transactions such as using credit cards to cash out, and in serious cases, they even have overdue repayments.

In fact, for high-quality customers with normal fund usage needs and good credit, banks will also provide them with multiple channels to apply for limit adjustment.

After a credit card is subject to risk control, it is generally divided into two situations. One is that it can be used after risk control, and the other is that it cannot be used after being subject to risk control.

Can be used after risk control: If the credit card is under risk control, it can still be used. For example, the card has been reduced, or a bank warning message has been received, and the installment cannot be applied, but the card can still be used for consumption. This is The kind is slight risk control.

Cannot be used after risk control: If the credit card is restricted by transactions and cannot be swiped for consumption, or the card is blocked directly and cannot be used anymore, it is more serious.

It’s the end of the year, and all major banks are strengthening risk management and control throughout the entire process. Many banks have reported that there are no large-scale or sudden “reduces” of credit cards, but they will still regularly limit their credit cards to some high-risk customers. Adjustment has gradually become the norm.