Bad card usage habits, failure to repay on time, bank policies.

1. Bad card usage habits: Cardholders have bad card usage habits such as cashing out, swiping large amounts of credit cards at the same merchant for a long time, swiping cards during abnormal business hours, etc. Once the bank's risk control system is triggered, they will be will be downgraded.

2. Failure to repay on time: Failure to repay on time is one of the common reasons for the reduction of credit card limit. If the debt ratio exceeds 50% of income, it means that the repayment ability is insufficient, and the bank may reduce the credit card limit. Quota.

3. Bank policy: The credit card use contracts of each bank clearly stipulate that credit cards must be used in a standardized and reasonable manner, and illegal card use such as false transactions and cash use cannot occur. Once the bank gets involved, The control system detects abnormal transactions, and it is inevitable that the credit card limit will decrease.