For people who have a strong desire for consumption, they always feel that the quota is not enough, and they try their best to hope that the bank will increase the quota for themselves. However, for some users with better qualifications and plans to use the card, they still feel that the quota is too high and wasteful, and they don't want to reduce the quota. So how do you apply for credit card reduction? Let's talk about this problem briefly.

1. How to apply for credit card reduction?

Users can take the initiative to call the customer service of the card-holding bank to apply for quota adjustment and inform the other party of their intention to reduce the quota. Customer service will help after receiving the application. In addition, some bank apps also have the function of reducing the amount, and users can log in directly and operate by themselves. However, it should be noted that it is more troublesome to feel that the amount is not enough after applying for relief. Banks will review users again, and the results may be unsatisfactory.

Second, will active reduction affect credit?

I won't. Generally speaking, users are passively degraded. For example, if the number of swipes is too small, the credit card is overdue or other illegal cards are used, then the bank will downgrade or freeze the quota, which will have a great impact on users. However, actively reducing the quota may have an impact on subsequent re-applications, but it will not have an impact on personal credit. If you are really worried, I suggest you don't have to reduce the amount, just set the maximum daily consumption.

The above is about "How to apply for credit card reduction? Will it affect credit? I hope it will help everyone. Generally speaking, it is very simple to apply for relief voluntarily. You can call the customer service hotline, or you can operate it on the APP yourself, which has no effect on the user's personal credit.