Recently, some card friends complained to me that Monkey Bank’s credit card has been reduced. Recently, I saw that Monkey Bank had a lot of things going on. They were fined some time ago. I don’t know what happened to the Shanghai Pudong Development Bank.

Speaking of reductions, nothing is more exaggerated than CCB’s reduction of 1 yuan for LeTV employees. In fact, there are many reasons for risk control. Lao Hu has sorted it out for everyone. When using cards in the future, you should pay attention to avoid them.

1. Credit card TX

Some card friends said this, why should you apply for a credit card if you don’t have a credit card TX?

This is a typical wrong idea. Banks have been cracking down on TX behavior. You see, Lao Hu doesn’t even dare to write these two words clearly. We are ants and they are elephants. We don’t even have a chance to scratch our itch. Once we are discovered, it’s trivial to have our card derated or blocked, and even those who commit serious crimes will be imprisoned.

So the most important thing is not to try this yourself, it is dangerous. So how does the bank judge your TX? It depends on your card usage information

Suspected TX behavior

Frequently use machines with low rates or even 0 rates

This should be the most obvious. I often use machines with 0 rate in hospitals, schools, and crafts, or machines with a 0.38 rate. Regardless of whether you are real or fake, banks hate this kind of thing the most, and ordinary people obviously don’t have so many coincidental needs, so this kind of thing is the easiest to be risk controlled.

Make large sums of money

Frequently make large sums, or clear the limit all at once. The bank does not control who you control.

Swiping your card at unreasonable times

For example, if you swipe your card in the middle of the night or early in the morning, it is obviously not during normal transaction hours. If you swipe your card frequently, then you will be risk-controlled.

2. Multiple overdues

The second reason for being reduced is that the credit card is overdue multiple times. This is an obvious trust issue. It's easy to borrow and repay, and it's not difficult to borrow again. Banks are also afraid of people like you, so they might as well minimize the risk.

Overdue credit cards will also affect credit cards from other banks. Once you are on the credit report, you won’t be able to get a loan to buy a house or a car for a long time.

3. Under-use

The quota given to you is for you to use. If you don’t use it, I will take it back. If the frequently used quota is very small, less than 10%, obviously you don’t need to have that much quota.

A derating is a derating. If you find that you have been derated, you should first think about the reason for the derating, and then see if there are any remedial measures. In fact, some cards that have been derated can have their credit restored, especially those who have been derated for no reason. They must fight for themselves.

1. Ask the reason via telephone banking

First of all, you should call the bank customer service promptly to ask the reason for the reduction and whether it can be restored. If there is a possibility of recovery, banks will generally offer you conditions, such as buying financial products, installment plans, small loans, etc.

At this time, we have to weigh whether the payment is worth it compared with the quota. If it can be tolerated, then forget it.

2. Threat of card cancellation

Sometimes when we increase the limit, we will use this trick. In fact, if you want to restore the limit, you can also try it, but the prerequisite is that you It was really downgraded for no reason.

If the bank just wants to beat you with a loan reduction, it will generally not give up on you as a customer, and may even reinstate you.

Pudong Development Bank has always been such a thief, but Pudong Development Bank’s credit card limits are generally very high, and the wool is good, so if you can tolerate it, you can get over it.