1, active derating

(1) If you want to reduce the credit card limit, you can directly call the bank hotline where the bank card is located, and then transfer to manual service to inform the customer service of the demand intention of adjusting the limit. Customer service will record your application and inform you of the application result by SMS within two working days;

(2) Call the hotline and enter the amount to be adjusted in the "amount adjustment" service of personal credit card business through self-service voice service.

2. Reduced amount

(1) The credit card has been downgraded due to its theft. After dealing with the stolen brush, the general bank will restore the credit line for the cardholder. What cardholders need to do is to ensure the safety of credit cards, use them normally and repay them on time.

(2) If the number of credit cards decreases due to overdue, the cardholder needs to pay off the overdue amount in time to avoid bearing huge penalty interest and late payment fees, or even causing personal bad credit records. After that, you can pay back on time by credit card withdrawal, and strive to restore the quota as soon as possible.

Skills of using credit cards

1. Pay in full to avoid cyclic interest.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money.

2. Temporarily increase the credit limit to avoid credit card overdraft.

In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

3. The minimum repayment amount must be full to avoid overdue repayment.

In our daily life, we often encounter the situation that the capital turnover is ineffective. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.