In 2022, the price of ICBC's credit cards dropped sharply for the following reasons:

1, cash-out behavior. 2. Overdue repayment. 3. Malicious overdraft. 4. The cash amount is too large. 5. The account is abnormal. 6. There is a problem during the use of the credit card. 7. The credit card was stolen. 8. Other violations.

The remedies are: swipe your card as much as possible, swipe your card in a fancy way, and spend continuously. Usually, as long as you can swipe your card where you can spend money, such as supermarkets and convenience stores. You can even help your friends pay for it and then ask them to give you money. This credit card mode will make banks feel that the consumption level of cardholders is constantly improving and depends on the credit card limit. In the long run, ICBC will increase the credit card quota.

Will ICBC's credit card be reduced for two consecutive months?

ICBC credit cards will be reduced or exempted for two consecutive months.

The time of credit card reduction is irregular, which is mainly related to the cardholder's card use behavior and credit status. To this end, it is also common for credit cards to continuously reduce the amount. However, it is rare to reduce the credit card several times in a month, unless the cardholder's illegal use of the card is serious after the reduction, and the card is frequently swiped in large amounts, and all of them are carried out during abnormal business hours. Banks will not tolerate such cardholders, or even directly seal the cards.

The credit card limit of ICBC is dynamically evaluated by the system from time to time. If the limit is lowered, the comprehensive score is insufficient, and there are many influencing factors. We can check the reasons from three aspects: personal credit, repayment ability and card use behavior. For example, check the credit information to see if there are any serious bad credit records; Or excessive outstanding debts lead to excessive debt ratio; Or the credit card is not used for daily consumption, there is illegal card use behavior, and the bank monitors abnormal transactions.

ICBC's credit card has been lowered. How to recover after ICBC reduced its holdings?

Experts suggest that you should immediately choose to cancel your account with full repayment, reapply after half a year, re-raise your card and get a higher credit line.

The reason for this is the following：

If the amount is reduced, you should immediately choose full repayment, because once you enter the bank's risk control black box, it is basically difficult to return to the original point, and it is difficult to get the opportunity for the bank to increase the amount again. Therefore, after canceling the account, do not apply for the bank's card within half a year, and apply again after half a year to obtain a new identity, re-raise the card and obtain a higher credit limit. If the card is blocked, don't cancel it immediately. If you have the ability, you can repay it in full. If not, you can choose to repay by installments.

Extended data:

Avoid lowering the quota or blocking:

Generally speaking, long-term idleness, single consumption, abnormal credit card swiping, abnormal repayment, and poor credit reporting are the five major reasons that easily lead to the reduction of credit limit of credit cards. Then how can I ensure that my card will not be reduced? An experienced credit card user also revealed the "cheats": first, we must reduce large-scale consumption, and the consumption location is changeable. Secondly, try not to overdraw the credit card limit, occasionally use installment business, and don't overdue.