1. Less credit cards
Banks issue a certain amount of credit cards to cardholders, hoping that cardholders can use credit cards to spend money, and banks can earn corresponding transaction fees. However, if the cardholder is idle for a long time after activating the credit card or the amount of credit card swiped in each period is very small, the bank will think that you have no need to use the card at all and will reduce the credit card limit for you.
2. Credit card cashing is recognized by banks.
You can cash in by swiping your card on a POS machine or in a Taobao shop. I thought I would be concealed by the bank, but in fact, the bank has a screening mechanism for abnormal behavior of credit cards. Once it is found that you have cashed in your credit card, and the suspected circumstances are serious, the bank is likely to give you a penalty of reduction.
3. The credit card is maliciously overdue
If the credit card is maliciously overdue, the credit card bill is overdue for a long time or the amount owed is large, the bank will think that the cardholder has the risk of bad debts, so it may reduce the credit card.
4. Abnormal credit card account
When credit cards generate credit card records with credit card swiping risks, such as suspicious transactions abroad or credit card transactions in high-risk areas, in order to avoid risks, banks can take the initiative to reduce the credit card limit, or apply for reducing the credit card limit for cardholders through cardholders to prevent credit card swiping.
In order to avoid the credit card being downgraded, it is necessary to maintain good credit card behavior habits. Try to spend in different types of merchants, repay in time, avoid cashing out credit cards, and so on.
If it is not malicious cash, it should only be because you spend less times and the amount is small. Or worse, you are overdue. If the overdue period is serious, the bank will reduce your quota to avoid risks.