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Will ICBC's credit card limit be lowered?
First, it will reduce the quota.

Industrial and Commercial Bank of China can dynamically manage the credit line of credit cards according to national regulatory provisions and credit card purchase contracts, and according to the credit status, credit card usage and risk information of cardholders. You can re-approve the credit line according to your card usage and repayment record. If the credit limit needs to be restored after the credit card is actively reduced, it is suggested that I go to the card issuing agency outlets in the card issuing area to check whether it can be handled, or try to apply again after spending half a year.

Second, the reasons for reducing the credit card limit

1. Active derating. In order to prevent the risk of theft, users take the initiative to ask the bank to reduce the amount. Unusual, restoring 100% will pass. On the contrary, it is not so easy to ask for a raise. The credit card account is abnormal, especially when it is stolen overseas, and the bank is slow to handle it. Therefore, if you think you won't use so much credit, you can downgrade your credit card first to prevent greater theft losses.

2. Illegal cashing such as online cashing. Using Taobao website, transactions are frequent, the amount is large, the transactions are all virtual goods and are all fixed businesses and so on. The issuing bank will think that there is a suspicion of cashing in the credit card, include the credit card in suspicious transactions, reduce the amount or even stop the card. Banks are not afraid of online consumption, but they are very sensitive to cash-out behavior. Not only online payment, but all cash-out suspects are most likely to be downgraded.

3. The credit card has expired. If you occasionally forget to return the credit card for a day or two, the bank can actually understand you, but if it takes too long, don't blame the bank. If the overdue days are more than 60 days or even maliciously overdue, the relief is polite, generally it is card suspension+blacklist+black letter+dunning.

4. Unexplained doubts. The bank must have a reason, but it is not convenient to say. Reduce customers suspected of cashing out, customers who may be suspected of illegal transactions in automobile sales, insurance companies, real estate companies, building materials markets, etc. In the POS machine without points, a large number of credit cards were swiped continuously, and the bank did not obtain evidence, so it went away.

The bank has regulations that credit cards may be reduced if they are not used for a long time. In fact, in order to encourage sleep card to use it, banks will take the initiative to raise a little quota, or engage in some targeted activities, use credit cards normally, repay on time, and are not afraid of being reduced or exempted.