It is very common for the user's credit card limit to be increased or decreased according to the user's situation. But some people will find that their credit limit suddenly drops to 0. Why is this? How to solve it?

What to do if the ICBC credit card limit drops to 0

1. ICBC If the credit card has not been used for a long time after application, it will enter a sleep state and the card limit will be lowered or directly adjusted to 0. If the limit is only reduced, the user can increase the number of card swipes and repay in full and on time before applying to the bank. If it is already 0, users need to apply directly to the bank and inform their usage requirements.

2. After a credit card is overdue, the cardholder must pay off the balance as soon as possible, explain the situation to the bank, and maintain a good repayment record in order to restore the credit card limit.

3. If the cardholder has cashed out, it is best to stop cashing out immediately and then negotiate with the bank to restore the limit; if the cardholder does not cash out, he must hand over the consumption voucher to the bank to prove that he is authentic. After consumption, the card limit can be restored.

4. When a credit card is stolen, in order to protect the safety of the cardholder's funds, the bank will usually take measures to reduce the limit or freeze the credit card; if the limit suddenly drops, or drops to 0, you can Call the bank to explain the situation and make sure there are no problems, then you can apply to restore the credit limit.

How to increase the limit of a credit card

1. Insist on using credit cards for consumption

Use more credit cards for consumption, make more than 25 purchases every month, and consume the total limit More than 90%, increase the utilization rate of credit card limit, but do not overdraft consumption, and ensure that credit card consumption is within the limit.

2. Appropriate credit card installments

When using a credit card, you can choose to pay in installments, but the installment time should not be too long, because the longer the installment time, the more handling fees.

3. Improve the star rating of ICBC

ICBC is different from other banks. If you want to successfully increase your credit limit, you must find ways to improve your star rating. Generally speaking, as long as you have not reached 6 stars, you need to improve your star rating by diversifying your credit card consumption, improving your personal qualifications, increasing the amount of deposits in your ICBC account, etc.

In short, when the credit card limit suddenly drops to 0, most of the reasons are due to improper use of credit cards. Therefore, in order to prevent your credit card limit from being affected, everyone should avoid illegal card use.