1. The credit card bill limit has been greatly reduced, which means that the bank may be lowering your credit limit. It is recommended that you pay attention to the changes of credit card bills regularly and contact the bank in time if you find any abnormality.
2. If the credit card bill is overdrawn or exceeds the set limit, it will affect personal credit. When using a credit card, please pay attention to the repayment time and amount to avoid abnormal bills.
3. Bad credit card repayment record also has a great influence on personal credit evaluation. It is recommended that you check your personal credit regularly so as to find and solve any problems in time. Just checked in: I know. Click Query and enter information, and you can find important data information such as your personal credit status, network black index score, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, estimated credit line of credit card and online loan.
You haven't used your credit card for a long time, or the frequency and amount of use have decreased. The bank may also adjust the personal credit limit according to your usage.
In short, personal credit is a very valuable asset, which needs to be well maintained and protected. These are some warning signs of credit card downgrade. If any abnormality is found, it is suggested to contact the bank to solve it in time to protect your credit and capital security.