1 There are a few credit cards. If the cardholder has been 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 Cash reduction, credit card cash banks can not tolerate. Once the bank detects the cashing behavior of the credit card, it will reduce the credit card limit.
If the credit card is overdue, the credit card has overdue behavior, 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 downgrade the credit card. Ping An Credit Card has been downgraded. You should keep good habits and apply for an increase in the quota after six months. If you want your credit card not to be downgraded, you need to keep good credit card habits, try to spend in different types of merchants, repay in time, and avoid cashing out your credit card.
1. If you are suspected of cashing out, contact customer service to explain the situation and apply for recovery. Normal credit card transactions have an internal scoring system. Generally speaking, the higher the transaction, such as shopping malls, cars and restaurants, the higher the score. On the other hand, online banking transactions will be recognized as low-end customers, which is not conducive to the promotion of your quota. Credit cards should be as wide as possible, and timely repayment should also be guaranteed.
2. If the number of credit cards decreases due to the theft of credit cards, the general bank will restore the credit limit for the cardholders after handling the theft.
3. If it is because the card has not been used for a long time or the number of swipes is small, it depends on your own situation, whether to cancel the card or continue to use the recovery line.
4. If it is overdue, you need to repay in full and contact customer service actively, and then use the health card for a period of time before applying for recovery. From now on, repay the loan and other expenses in full and on time, and don't be overdue. After a period of time, the monthly credit card limit is close to or exceeds the credit card limit. Using a credit card, try to make a one-time repayment, and then call the bank to apply for a credit limit, which can effectively restore the credit limit.
Reducing the credit card limit is mainly for the needs of bank risk management. If the credit card of Ping An Bank is reduced, you can apply for recovery as appropriate. Make a good record of using the card and repayment, and the credit card will gradually increase in value. The credit card limit is determined by the following aspects:
1, the income of the cardholder;
2. The credit status of the cardholder;
3, the number of credit card consumption;
4. Credit card spending amount. Generally, Ping An Credit Card cannot be restored immediately after the credit limit is lowered. It is suggested to try to apply for increasing the credit limit after 6 months of rational use of the card. You can also try to apply for recovery under the following circumstances:
1. If you are suspected of cashing out, contact customer service to explain the situation and apply for recovery.
2. If the number of credit cards decreases due to the theft of credit cards, the general bank will restore the credit limit for the cardholders after handling the theft.
3. If it is because the card has not been used for a long time or the number of swipes is small, it depends on your own situation, whether to cancel the card or continue to use the recovery line.
4. If it is overdue, you need to repay in full and contact customer service actively, and then use the health card for a period of time before applying for recovery.