Put thousands of 40 thousand credit cards, showing no limit. CCB was dropped by the bank, and the money paid back was not enough. The available credit limit does not exceed its own credit limit. If the bank reduces the credit card limit, the user can request to restore the credit card limit. For example, if the limit is lowered due to overdue, and the user has maintained a good credit record for a period of time after paying off overdue debts, then he can request the bank to restore the limit.

Reasons for the decrease of credit cards

If the card is idle for a long time, if the cardholder only handles the credit card temporarily and doesn't use it for a long time, then the bank will think that the cardholder doesn't need so many credit lines and make a reduction. If the card is unreasonable, the cardholder should pay attention to the amount and time of swiping the card. If the merchant brushes a large integer many times, it will also trigger the bank's risk control system to reduce the amount.

Excessive use of the card, if the cardholder swipes the amount of the credit card every month, will be considered by the bank to be extremely short of money, resulting in a decrease in the credit card amount. Generally, the credit card is downgraded when the cardholder is suspected of using the card illegally. In principle, before reducing the limit, the bank will issue a warning to the cardholder, such as sending a warning message, the cardholder can't apply for a temporary limit, the cardholder's transaction is limited, and the cardholder can't pay the bill in installments.

When the cardholder is faced with the situation that the quota is about to decrease, it is necessary to avoid the situation that the card is swiped during non-business hours, the same card is traded daily in a short time, and the card is often emptied. It is best to combine large consumption with small consumption, and diversify credit card consumption.