1. Overdue: If your credit card is often overdue, the bank will reduce your credit limit to zero or even freeze your card.

2. Cash-out: When your account is in an abnormal state, such as cash-out and other irregularities or the bank suspects that your credit card has been stolen, your credit limit will be reduced.

3. Idle: If your Guangfa credit card has not been used for more than 5 months, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems.

Extended content:

If the illegal cashing of credit cards is detected by the system, the credit card limit may be reduced. If the cash amount is large, it will not only affect the personal credit record, but also be directly stopped by the bank. If the circumstances are serious, criminal responsibility will be investigated. A bank staff member said that illegal cashing of credit cards is the focus of bank stalking.

Some users think that swiping a card on a POS machine or cashing in a Taobao shop is hidden. In fact, banks have a screening mechanism for abnormal card swiping behavior. The characteristics of cash-out are generally obvious, some of them are repeated swiping cards in large integers on POS machines, or the longest interest-free repayment day of each month is 50 days.

References:

People's Daily Online-If you don't brush your credit card for one year, the consequences will be very serious: the quota will drop to zero.