1, cash-out occurred. In the process of use, if the bank's system finds that the user has cashed in the credit card. Then, in order to prevent risks, banks will reduce the credit card limit.
2. Credit cards are used less frequently. If the frequency of users' use of credit cards decreases, the bank will also recover part of the credit line.
3. There is an overdue situation. Overdue is the process of using credit cards.
Credit card advantage
1. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is only necessary to return the consumption amount on time. You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest). It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment.
2. Accumulate personal credit, add a credit record to your credit file, and benefit for life. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, so it is best not to withdraw cash, which is very expensive and uneconomical. ) credit card spending, some credit cards take existing points, various discounts and lottery activities throughout the year, as long as you use the card, you will always be surprised; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )
3. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; Nowadays, environmental protection is advocated, and paper statements can be changed into electronic statements. ) unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB. 400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss. Validity period: It is known that the validity period of domestic credit cards is generally three to five years. Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.