1, overdue. The state's supervision of the credit market has increased, and banks' tolerance for bad behavior of cardholders has also decreased. If the cardholder's credit card bill is overdue, the bank will also take measures to reduce the amount or seal the card to control risks and ensure the safety of funds.

2. The card behavior is abnormal. Some cardholders have not been overdue when using their cards, but the credit card application platform found in the monitoring that the cardholders' credit cards were emptied immediately after being returned, and there were sudden and frequent large expenditures. These situations are all abnormal card use behaviors, and the banking system will suspect that the cardholder's credit card has been stolen or the cardholder is cashing out.

3, personal qualifications are reduced. If the cardholder does not use other credit products, or frequently handles credit products in a short time, it will be reflected in the cardholder's credit report. Once the banking system finds that the cardholder's personal credit information has changed, it will re-evaluate the cardholder's personal qualifications. If personal qualifications are lowered, credit cards will continue to decrease.