The following are the reasons why a credit card (debit card) will be suddenly reduced if it is repaid on time:

1. The card has been idle for a long time. If the cardholder only applies for a credit card (debit card) on a temporary basis and does not use it for a long time, the bank will feel that the cardholder does not need so much credit limit and will reduce the credit limit.

2. Improper use of the card. When cardholders swipe a credit card (credit card), they need to pay attention to the amount of the credit card (credit card) swiped, the time of swiping the credit card (credit card), etc. If a large amount is swiped multiple times at a certain merchant, the bank's risk control system will be triggered and the amount will be reduced.

3. Excessive use of cards. If a cardholder empties his credit card (debit card) every month, the bank will consider him to be extremely short of money and lead to a reduction in the balance.