Will my credit limit be reduced if I spend less on my credit card? Although there is no hard and fast rule in the bank that you must use the card after you apply for it, in fact, it still encourages cardholders to use the card more, so that the bank can earn handling fees. The more the card is used, the more the cardholder contributes to the bank. , the amount will be raised faster. If you swipe your card less and make less contribution to the bank, it will definitely not be easy to increase your credit limit. However, whether the credit limit will be reduced depends on the situation. Under normal circumstances, banks will decide whether to adjust the credit card limit based on the applicant's credit conditions and card usage. In addition to the frequency of use, this card usage situation also includes the method of using the card, that is, whether the cardholder uses the card normally and repays the card on time.
If the following situations occur during the use of a credit card, the credit limit will probably be reduced: 1. The amount of credit card swiped is small, but one swipe is a large amount, and the amount of each swipe is an integer. Especially if the card is not swiped during normal business hours, it will be easily controlled by the system. The bank will think that the cardholder is suspected of cashing out, and will probably reduce the limit of the cardholder's credit card. 2. If you make few purchases on your credit card but always fail to repay the money you owe the bank, the bank will naturally not ignore it and will definitely collect money from the cardholder. If the cardholder fails to repay the loan for 3 months overdue, Derating is a sure thing. To sum up, the bank will not reduce the limit just because the credit card is used less, but if there are bad card usage behaviors such as cashing out, overdue repayment, etc. during the card payment process, then the limit may be reduced. Therefore, if you want to avoid being derated, you must develop good card usage habits.