Why is the credit limit reduced to 6,800 when you pay off 7,000 on your credit card? Normally, the credit limit will return to the original limit after repayment, but if the credit limit becomes smaller after repayment, there may be three reasons:

1-Temporary limit expiration: Banks often increase credit limit to cardholders from time to time. What can be withdrawn is a temporary limit, which is superimposed on the fixed limit, giving the impression that the limit is fixed. Illusion, after using the temporary limit for consumption, the repayment will be offset by deducting the already used limit, and then the available limit will be restored, so the limit will be reduced.

2-Using the over-limit service: Many banks have enabled over-limit services by default. After the last consumption has used up the fixed limit, you can also overdraft the limit by 5~10%. This will If a negative value is displayed in the credit card limit, the negative part will be filled in for repayment first, and then the remaining repayment amount will return to the fixed limit.

3- Derated by risk control: Many cardholders do not use their credit cards for daily personal consumption in accordance with the credit card contract, but instead use their credit cards for cash, investment and financial management, etc., which triggers bank risk control. The system will reduce the limit immediately after repayment.