After using a credit card for a certain period of time, you can apply to the bank to adjust the limit. However, not all credit cards will increase the limit, and some will reduce the limit. So, why will the CITIC Bank credit card decrease the limit? The following I’ll give you a detailed introduction to the reasons that lead to credit card reductions.

Why is the credit limit of China CITIC Bank credit card reduced?

1. Overdue repayment: When the overdue amount reaches a certain amount, or there are multiple overdue payments, the bank will consider the cardholder to have maliciously overdrafted. consumption, the credit card limit will be unilaterally reduced or the use of the credit card will be stopped.

2. Illegal cash-out: If there is illegal cash-out behavior and it is detected by the bank system, the bank has the right to reduce the credit card limit.

3. Abnormal credit card swiping: If the transaction types of credit cards are particularly concentrated within a period of time, the bank will reduce the card limit based on the abnormal behavior of the credit card.

4. Long-term use: For safety reasons, banks will reduce the limit of credit cards that have not been used for a long time to avoid serious losses caused by credit card theft.

5. Theft occurs: Banks will carry out risk control for every credit card transaction. If the cardholder’s consumption record has been in China and there is a foreign card swiping record, in order to prevent the card from being swiped, usually Reduce the limit to ensure the safety of funds.

How long will it take for the credit card limit to return to normal after the credit limit is reduced?

1. Overdue limit reduction: you need to pay off the balance in full, and then use the card properly, which usually takes 3-6 days It may take months to return to normal, subject to the bank's assessment results;

2. Suspicion of cashing out leads to reduction: Contact the bank proactively and explain that you are not cashing out. As long as the bank recognizes your evidence, it will be immediately Restore the credit card limit;

3. There are risks in the account: you need to wait until the risk is resolved before the limit can be restored;

4. Reduce the dormant card limit: use the credit card, use it more, and pay it back on time Generally, you can apply to restore the normal amount in about 3 months.