1, others help to return the credit card. Some may have no money to repay, let other friends help, and some may directly ask the repayment agency for help. No matter who they help, as long as the credit card application platform sees that the account on the repayment date is not the cardholder's, it will think that the cardholder's repayment ability is problematic. At this time, in order to avoid risks, the amount will be reduced immediately after the payment is completed. Therefore, users should not ask others to help pay back their credit cards. It is best to repay through your own account, so that the bank will not doubt the repayment ability and the credit card will not be downgraded.
2. Withdraw credit card funds for use. Although the cardholder repays in full and on time, the repayment funds are not his own funds, but the money cashed out by the credit card. This situation is easy to see, and banks have sufficient reasons to reduce the quota. One is illegal cash withdrawal, and the other is insufficient repayment ability. Users had better not cash out, because as long as users are found by banks, these illegal acts will lead to very serious adverse consequences.
3. Minimum repayment amount or installment repayment. Whether it is the minimum repayment amount or installment repayment, although it can save cardholders from overdue, it will make banks question the repayment ability of users. Therefore, users with insufficient repayment ability are certainly not at ease to let them use too many credit lines, so as to avoid default. Therefore, it is best for users to use credit cards according to their actual needs and repayment ability to avoid excessive consumption and ultimately unable to repay.
To sum up, credit cards are likely to be reduced after repayment, especially when one of the above repayment methods is used. Therefore, when users repay, it is best to use their own accounts to repay. Even if you borrow money to repay, let the other party put the money into your card and then transfer the money to repay.