The reasons why the credit card limit is suddenly reduced are:

1. If the payment is overdue, the bank will think that the cardholder cannot repay on time, which will cause the bank to reduce the credit limit in this way. quota, thereby reducing the risk of non-performing loans.

2. If the bank detects that the card is suspected of cashing out, the bank will reduce the usage limit of the card.

3. If the cardholder does not use the card for a long time, or uses the card less often, the bank will reduce the usage limit of the card in order to reduce the risk. For example, if the card is stolen, this can reduce the damage rate. to the lowest.

4. Banks conduct risk control on every credit card transaction. If the cardholder's consumption records are always in China, but one day the card swipe records are suddenly discovered abroad, the bank will contact the cardholder to inquire about the situation. For security reasons, cardholders are often asked to voluntarily lower their limits to keep their funds safe.

Can I restore my credit card after reducing it?

Can be restored, if the user's overall credit score drops or the credit card is used illegally, the credit card limit will be reduced, but the reduced credit card can only be restored if the user maintains a good credit card usage record and credit history limit. Even if the reduced limit is reinstated, the card can continue to increase the limit.

The bank will adjust the credit card limit from time to time. Decreases or increases in credit card limits are normal adjustments. As long as the card has a limit, the user can continue to use it.