1. It is indeed useful to use the credit card tx behavior: if the bank finds out that it is true, it is not such a simple way to reduce the amount, and the cardholder may be required to repay the credit card and withdraw the credit card. It is recommended that cardholders should not use credit card tx.

2. High credit limit and less credit card swiping times: increase credit card swiping times. If there is really not much demand for credit cards, it is not bad to reduce the quota. Credit card knowledge is a consumption tool. A high quota does not mean high consumption. It is best to control the quota according to your own consumption ability.

3. repayment is often overdue. There is no other way to deal with this situation. Only pay back on time, and if the cardholder often fails to pay back, it is not as simple as forgetting to pay back. Perhaps the cardholder's own financial ability is not enough to support the consumption situation, so it is recommended that the cardholder use the credit card cautiously.

1. Several main reasons for the credit card being downgraded

1. swiping the card regularly every month and swiping the card has tx risk: the cardholder swipes the card on several specific days every month and swipes the credit card. This kind of credit card behavior will make the bank think that the cardholder has the risk of tx, so the amount will be reduced.

2. The credit limit is high, but the number of swiping cards is too small: if the cardholder has a high credit limit, but swiping cards too little every month, the bank will think that the credit limit given to the cardholder exceeds the demand and the credit limit is wasted, and will lower the credit card limit of the cardholder in due course.

3. Often overdue repayment: the bank will think that the cardholder does not have the ability to repay on time and reduce the credit line.

in short, the main reasons why banks will reduce credit card credit are: first, to prevent the risk of bad debts; The second is to reduce the waste of credit lines. Accordingly, if the cardholder has the ability to prove the repayment by swiping the card, the credit card can be prevented from being downgraded.

Second, the impact of overdue credit cards:

First, failure to pay them back after the deadline will affect personal credit. Lenders borrow money from banks, and if they fail to repay it within the time limit, their personal credit report will leave a bad credit record. It is very difficult to apply for a credit card and a loan in the future, and most of them will be rejected, which will cause a lot of troubles to personal production and life.

second, the most direct consequence of not paying back the credit loan is the high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, if the loan is overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection system. After the lender is overdue, the primary collection will send you a text message and call for a reminder. If you don't pay it back for a long time, and the degree is serious, there will even be face-to-face collection by the collection staff. This overdue staff should be prepared and should try to pay off the money at the first time before solving it.

fourth, if the loan is overdue for a long time and the amount is relatively large, the lender may be sued by financial institutions. After the lawsuit is accepted, the lender's assets may be sealed up after the court has pronounced the sentence. This is the "repayment ruling" that the lender must implement, otherwise, the court will seal up the assets such as real estate under your name according to law, and repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Normally, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement and insist on not paying back, if the circumstances are serious and bad, the court will also investigate the criminal responsibility of the borrower, depending on the circumstances, and if the circumstances are serious, they will go to jail.