If the cardholder has the following four situations in the process of using the card, there is always reason for them to do so.
1, illegal card use.
Always swiping the card, always swiping the card, always swiping the card immediately after repayment, always swiping the card with a jump code pos machine, always swiping the card with a preferential pos machine and other abnormal card use behaviors have brought great risks and crises to the bank, and the bank will certainly deal with them effectively.
2, often overdue
If people often have expired credit cards in the process of using them, banks will think that they are at great risk, so it is normal for them to reduce the limit after repayment.
3. Weak repayment ability
The issuing bank can judge your repayment ability from everyone's credit card use behavior. If you use the minimum amount for a long time, or the bill amount has been paid in installments, this person's repayment ability is very weak now, and there is a risk of overdue.
4. Less card frequency
The core purpose of issuing credit cards by issuing banks is to print them. Only banks that print cards can make money. However, after the credit card is issued, the amount of cards printed by the cardholder per month is less than 65,438+00% of the credit limit, and even if the repayment is made on time, the credit limit may be reduced.