Nowadays, with the rapid development of social economy and the gradual popularization of credit cards, it is very common for people to use credit cards when spending. So what is the reason for the decrease in credit card limit when using credit cards? In fact, there are many reasons for the decline in credit card limit, which can be mainly divided into two types:

1. Incorrect repayment method: there are two situations, one is the repayment amount, and the other is the non-personal repayment. Repayment refers to the fact that users often fail to repay in full, such as frequent minimum repayment or frequent installment bills; Instead of repaying it yourself, it means that the bank card for repayment is not the user's own, for example, asking someone else to help or others to return it. The above repayment methods will make the bank doubt the cardholder's repayment ability, and once the cardholder's repayment ability does not match the current credit limit, it will take relief treatment.

2. Incorrect usage: mainly because the bank thinks that the user is suspected of cashing out. For example, a large sum of money is often fixed, and when it comes out on the billing date, it will be recognized as cash by the bank, and the time for swiping the card is not the normal business hours of the merchant. I suggest you pay more attention, otherwise it will be very troublesome to increase the credit card limit after it is reduced.