First, the quota does not rise but falls.
1, card swiping is too frequent. Brush five or six times a day, which makes people feel that you have some reason to wait for money, and naturally makes the bank cautious.
2, the card is too fierce. Always use up the quota and brush it once or twice! Let the bank think that you are short of money, and your repayment ability is questionable!
3. The credit card is too single. If you swipe your card on the same low-rate machine for a long time, there will always be repeated merchants, which may be regarded as unfair trading behavior.
4. The consumption direction is wrong. Credit card spending is something that has little to do with daily life, such as jewelry, building materials, wholesale, furniture, discounts, public welfare, especially public welfare pens. If the bank doesn't make a dime, who will reduce your volume?
Second, brush a large sum of money immediately after the repayment on the same day. In order to increase their credit records and prove their spending power, many cardholders pay back the money when the monthly bill comes out, and then brush it out immediately. The system of the issuing bank has detected that your behavior is abnormal.
Integer single transaction. Credit card spending is often 10000, 20000 and other integer amounts. If it doesn't meet the actual consumption, it will be considered as TX, so there is a high probability that you will be downgraded by the bank.
The time of swiping the card is in doubt. There are transactions outside normal business hours. Generally, it is best to swipe your card from 9: 00 a.m. to 9: 00 p.m. 10, and you don't need to spend an unfavorable card withdrawal during this time period.
Quotas are overused or emptied. Although the issuing bank is also encouraging more credit card consumption, the premise is rational consumption. If you empty your card or use it over the limit every time, the bank will think that you are short of money and question your repayment ability. It is best to leave 20% credit card limit every month.
Bad repayment behavior. The minimum repayment for more than two months in a row has shown that you have no repayment ability.
Third, the credit card downgrade is not sudden. If the cardholder has the following behaviors in the process of using the card, it is necessary to pay attention.
1. Frequent non-repayment: that is, yq repayment. For this kind of customers, in order to prevent risks, banks are afraid that cardholders will owe more and more money, which will lead to serious bad debt rate, and often take measures to reduce the amount, and even freeze credit cards in serious cases.
2. Only pay the minimum repayment amount each time: The minimum repayment amount reflects the cardholder's poor repayment ability to some extent. Although this repayment method can make banks earn a little interest, it still has certain risks, so in the long run, banks will also reduce the credit card limit.
3. These behaviors will also lead to a decrease: credit cards are often yq repayment or yq takes a long time; The use of credit card tx was discovered by the bank; The credit card has a high quota, but the utilization rate is extremely low.
You can also find out the reasons for the decrease of credit cards by checking the cards in detail, which contains your consumption indicators, consumption records, consumption amount, consumption abroad and other information, so as to find the key to withdrawing cash from credit cards. Then, everyone can optimize and rectify the credit cards in their hands according to the report obtained from the credit card evaluation.