1. What should I do after the credit card is downgraded? Should I continue to keep the card or cancel it? I talked to my friend about the credit card being downgraded. Anyway, no matter why the bank was downgraded, in short, you must have bad card use behavior, which was judged as risky transaction or TX by the bank. So the bank will downgrade your credit card to prevent risks. Don't argue with the bank at this time. Once the quantity is reduced, there is no way out. So after being downgraded, do you choose to keep your card or cancel it? My friend's choice is to return the card, and the Bank of Communications credit card reduced his limit. He was angry and cancelled the card. Then when he applied for the Bank of Communications credit card again, he failed. When I write this, I can only yawn.
For me, if I want to draw a clear line with the downgraded bank forever in the future, I will also choose to return the card. However, if I still want to use this bank's credit card, for example, there are many benefits and benefits, and there are often some credit card activities, then I will choose to keep this bank card even though I have been downgraded and the quota is low. At the same time, I will correct the improper use of the card before and spend more time on eating and entertainment in the supermarket, slowly. I will increase the quota. Even if I can't increase the quota in the end, I can still use my credit card to participate in various credit card activities in bonus hunter, so I chose to continue to withdraw my card.
Second, if you choose to continue to raise the card, how to raise the card is the most reasonable? In fact, when raising a card, we should use this credit card reasonably, maintain a certain consumption frequency, use this credit card more, and spend more in kind, such as supermarkets, shopping malls, restaurants, accommodation, entertainment and so on. There is a small amount of online consumption.
1, the combination of physical consumption and online consumption, more physical store consumption. I think the reason why I was downgraded by Shanghai Pudong Development Bank's credit card may be related to my frequent use of online consumption, and I only took one or two payment channels, so I was judged as TX by Shanghai Pudong Development Bank, so I was downgraded without saying anything. From a painful experience, since I chose to keep this credit card, I will completely change my consumption pattern. Although the number of places has been reduced to 3000, it is more than enough to spend in supermarkets. So every time I go to the supermarket, the first choice is to use this piece of consumption, ranging from tens of dollars to 200 yuan every time, and keep the frequency two or three times a week. And online shopping, intermittent, I will also give priority to Pudong Credit Card, because there are often preferential activities. In this way, the combination of entity and online shopping, I specialize in Pufa for small consumption. After about half a year, Pufa finally gave me the green light and tried to raise my temporary quota to 4,000. Although it is still not high, it is also an improvement.
2. Actively participate in various activities organized by credit card banks. Every time a credit card of Shanghai Pudong Development Bank is consumed, it will be given a red envelope, which can be used to send points, traffic, mileage and sometimes a credit card. So I am happy to give red envelopes every time I spend, but I give the most points. In addition to red envelopes, there are also movie discounts, such as 10 yuan movie event, full reduction and other activities. If you happen to be shopping, it is right to choose the credit card of Shanghai Pudong Development Bank.
3, occasionally a small amount of time, brush the sense of existence. Friends who use credit cards know that credit card salesmen often call you to recommend installment. I am disgusted with these suggestions. However, in order to raise a card, it is acceptable for me to stage it occasionally. It is also beneficial to increase the card amount by comprehensively calculating the capital cost and occasionally choosing a reasonable installment amount and number. Last month, I had to pay a bill of 1000 yuan for six months.
4. Repay on time, not overdue, and maintain a good credit record. This is very important. If you use the card normally, you must repay it on time and don't have overdue behavior. Maintaining a good credit record is the key to whether you can withdraw cash. In any case, you must repay on time and maintain a good credit record. Imagine, if your credit record is not good, no bank will take risks, and if you are given a high credit card for your consumption, the bank will also take risks. All credit reports will refer to your credit report for the first time to evaluate your repayment ability. Therefore, it is particularly important to maintain a good credit record.
In fact, as long as you keep the good habit of using the card for a long time, there is no credit blacklist, and stick to this habit for a period of time, the bank will be moved by you, thus giving you a green light in the amount. That was not the case. After I was put in limbo for half a year, Pufa raised the amount for me, which proved that I had at least a chance to continue to raise the card!