Credit card reduction refers to the behavior of banks or financial institutions to reduce the credit limit of cardholders. The reason for the decrease may be due to the cardholder's overdue repayment, high debt, bad credit record and other reasons, and the bank will adjust its credit line to avoid risks. The extent of relief generally depends on the regulations of different banks and the cardholder's situation. Some banks may reduce the credit line to a certain proportion, and some banks directly adjust it to zero.

The reduction of credit cards will affect the daily life of cardholders, especially those who often use credit cards to spend money. The cardholder's credit card reduction amount is closely related to credit history, overdue repayment and other related factors. If the cardholder's credit record is good, the bank usually won't reduce his credit limit. On the contrary, if the cardholder's credit record is bad or the repayment is overdue, the bank may reduce his credit limit or close his credit card account directly.

To avoid the reduction of credit cards, it is necessary to maintain a good credit record and pay off the credit card arrears on time during the repayment period, which is the most basic and important point. In addition, cardholders need to use credit cards reasonably, do not exceed a certain percentage of credit limit, and do not use credit cards too frequently. Finally, we should pay attention to the official mail or SMS of the bank and keep abreast of the changes in the credit card limit so as to deal with them in time.