Ping An Credit Card is reduced

If the cardholder's credit card limit is reduced by Ping An Bank, there are several possible reasons:

(1) The cardholder is suspected of cashing out. If the cardholder always makes a large amount of consumption on the billing date, or always swipes the card on the POS machine with code skipping, it will be recognized as suspected of cashing out by the bank, thus starting the risk control procedure and reducing the credit card limit.

if the cardholder does not cash out, he should contact the customer service staff of the bank in time to explain his consumption situation and apply for restoring the credit card limit. If the cardholder cashes out, please stop immediately.

(2) The credit card was stolen. If the cardholder's credit card is stolen, in order to reduce the cardholder's loss, the bank will start the risk control procedure, reduce the cardholder's credit card, or even seal the card. In this case, the cardholder does not have to take the initiative to do anything. After the bank handles the stolen brush, it will generally restore the credit card limit.

(3) The frequency of using credit cards is low. If the cardholder's credit card consumption frequency is too low, the bank will think that the cardholder does not need a credit card, and in order to make full use of the funds, the bank will reduce the cardholder's credit card limit.

In this case, it mainly depends on the cardholder's own choice: if the cardholder does not need a credit card, he can choose to cancel it; If cardholders want to continue to use credit cards, they need to increase the number of times they use credit cards, so that banks can restore the credit card limit.

(4) the credit card is overdue. If the cardholder fails to repay after overdue, the bank will reduce the credit card limit of the cardholder in order to stop the loss. In this case, the cardholder needs to pay off the arrears first, and then contact the customer service actively. After the cardholder keeps using the card normally for a period of time, he can apply to the bank to restore the credit card limit.

What happened to the sudden credit card reduction of Ping An Bank

1 Credit card reduction caused by wind control: Under normal circumstances, Ping An credit card holders will be subject to wind control when their credit cards are overdue and maliciously cashed out, which will inevitably lead to credit card reduction.

2 Long-term non-use of credit cards: If you don't use credit cards for spending for a long time, banks will think that credit card holders don't have this consumption demand, which will reduce the credit line of credit cards.

Extended information:

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer.

it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated by relevant laws in China refers to an 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.

On December 1, 217, the English Translation and Writing Standard for Public Service was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

The credit card generally refers to a debit card only.

from January 1, 221, the credit card overdraft interest rate will be 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 will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

Main features of credit card:

① Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit card can promote commodity sales and++social demand.

What should I do if the credit card limit of Ping An Bank is reduced?

(1) The cardholder is suspected of cashing out. In this case, if the cardholder does not cash out, he should contact the customer service staff of the bank in time to explain his consumption and apply to the bank for restoring the credit card limit. If the cardholder really has the card cashing behavior, please stop this behavior immediately.

(2) The credit card was stolen. In this case, the cardholder does not have to take the initiative to operate, and the bank will generally automatically restore the cardholder's credit card limit after handling the theft incident.

(3) The frequency of using credit cards is low. If the frequency of cardholders using credit cards is too low, the bank will think that cardholders don't need credit cards. In order to make full use of funds, the bank will reduce the credit card limit of cardholders and lend the saved funds to other cardholders who need credit cards.

in this case, it depends on what kind of demand the cardholder has: if the cardholder doesn't need a credit card, he can choose to cancel it; If the cardholder wants to continue to use this credit card, it is necessary to increase the number of times the credit card is used and keep it for a period of time, and then he can apply to the bank to restore the credit card limit.

(4) the credit card is overdue. In this case, the cardholder needs to pay off the credit card debt first, and then take the initiative to contact customer service to show his good attitude. Then the cardholder needs to maintain the normal use of the card for a period of time, and finally can apply to the bank to restore the credit card limit.

how can Ping An's credit card be restored if its credit limit is reduced?

Ping An Bank can apply for restoration as appropriate:

1. If it is suspected of cashing out, contact customer service to explain the situation and apply for restoration.

2. If the credit card is reduced due to credit card theft, the general bank will restore the credit limit for the cardholder after handling the theft.

3. If you don't use the card for a long time or the number of swipes is small, you will decide whether to cancel the card or continue to use it according to your own situation, so as to restore the limit.

4. If it's overdue, you need to make full repayment and contact customer service actively, and then apply for recovery with the health card for a period of time.

reasons for reducing the credit limit of Ping An Credit Card

There may be the following reasons for reducing the credit limit of Ping An Bank: 1. Suspected cash withdrawal: if the cardholder makes a large amount of cash withdrawal or swipes the card at a merchant suspected of cash withdrawal for many times, it will be recognized as a cash-out credit limit by the wind control system, and thus the credit limit will be reduced. 2. It may be stolen: If the credit card is stolen, the bank will reduce the credit card limit. 3. Don't use it for a long time: the number and amount of credit card spending are relatively small, and the bank will decide that the cardholder does not need such a high quota, thus reducing the quota. 4. Credit card overdue: If you fail to pay it back after the deadline, the bank will reduce your credit card limit in order to stop the loss.

1. Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and renamed it Shenzhen Ping An Bank. Besides the basic functions of credit card such as credit consumption and cash advance, it also has many unique functions, providing cardholders with all-round security protection covering "safe consumption, safe home and safe travel". Ping An Bank Credit Card Center was established in 2, and settled in Qianhai, Shenzhen in 215. It has been upgraded to a credit card franchise with second-class legal personality and relatively independent operation. Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a cross-regional joint-stock commercial bank, Ping An Bank has a registered capital of 5.461 billion yuan and total assets of over 13 billion yuan. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

2. You can log on to our credit card website (you can choose from the extended reading) or call the 24-hour customer service hotline (you can go to the official website) to open the E-MAIL consumption reminder service. Please call (you can go to the official website) in areas where 4 business is not opened. Regardless of the transaction amount and type, we will generally send the E-MAIL consumption reminder to your designated mailbox the day after the consumption occurs. If your E-MAIL address changes, please log on to our credit card website or call the 24-hour customer service hotline to modify it. Dollar bills generated by using Ping An Bank credit card in consumption abroad or withdrawing++cash can be repaid by purchasing foreign exchange in RMB, except for transactions prohibited by national laws. You only need to select the function of purchasing foreign exchange on the credit card application or call the 24-hour customer service hotline. We will complete all the procedures for purchasing foreign exchange on your behalf and repay the corresponding amount of the US dollar bill.

Third, you can spend money within the credit line without depositing any cash in advance, borrow cash in advance, and experience a relaxed and advanced consumption and lifestyle. If you make normal repayment in the first month (that is, not less than the minimum repayment amount in the bill of that month), the minimum monthly repayment amount will be automatically reduced from the original 1% to 5% from the next month. Keep a good credit record and make your wealth management more comfortable. No matter where you are, a number of selected merchants can enjoy intimate and exquisite VIP service, so that you can relax and swim freely in every journey. At the same time, you can enjoy special merchant discounts according to the logo of Shenzhen UnionPay VIP Club on the back of Wanlitong Co-branded Card, and experience all kinds of wonderful well-known merchants, including food, hotels, shopping, SPA, car rental and other services, showing your noble and ultimate life taste.

Let's stop here for the introduction of Ping An Bank's credit card limit reduction.