Reasons for the decrease of credit cards
First of all, don't use credit cards often.
Although not using the credit card frequently will not cause any bad influence, if the cardholder swipes the card too few times and the credit card limit is not used much, the bank will think that the approved limit is too high, thus reducing the credit limit.
Second, illegal cash operations.
In fact, cashing in credit cards is illegal. Once this behavior happens in the bank, the bank will reduce the limit of your credit card for punishment. If the behavior is too serious, the bank may directly freeze your credit card and prevent you from using it.
Third, bank risk control.
Banks sometimes carry out risk control on security issues after work hours, so they will check the safety of customers. If the cardholder's credit card safety factor is low, the bank will often reduce the limit.
Fourth, it is often overdue.
If the cardholder's credit card is overdue, it will affect personal credit, and the bank will also reduce the limit of your credit card.
What about credit card reduction?
First, more credit card spending.
If you want to keep your credit card from being downgraded by the bank, you need to spend more credit cards and become an active user of the bank, so that the bank will not easily downgrade your credit card, which is also conducive to increasing the quota.
Second, repay on time.
When using a credit card, you must form the good habit of paying back on time. Only by repaying on time and avoiding overdue can we maintain a good personal credit, which will also have an impact on whether the credit card will be downgraded.