Nowadays, major banks are becoming more and more strict on credit card risk control, and limit reductions can be said to be commonplace, but this is not what cardholders want to see. Many cardholders are worried that their credit limit will be reduced again after being reduced, and they will ask how many times a month the credit card limit will be reduced. In fact, credit card delimitation is not affected by time. If you want to avoid being devalued, it is best to stay away from some bad card usage behaviors to stay safe.

How many times a month will the credit card limit be reduced? Everyone knows that the credit card limit is adjusted by the bank from time to time, and it rises and falls. In contrast, it is not that easy to increase the limit of a credit card, and there is only one opportunity to increase the limit every six months. However, the reduction is not limited by time and is mainly related to the cardholder's card usage behavior. The bank system will monitor the card usage behavior of cardholders at any time. Once illegal card use is discovered, the credit card will be reduced. It will not let it go if it is reduced this month. If it is used multiple times a month Bad behavior may result in the credit being reduced several times.

So, if you want your credit card to avoid being reduced, it is recommended to stay away from the following behaviors: 1. Repaying credit cards: Many cardholders are unable to repay after overdrafting their credit cards, so they use repayment APPs to repay. , because the credit card's available limit is used up before repayment, and the cycle is repeated multiple times until the current balance is paid off. Once this behavior is discovered by the bank, the reduction will be light, and the bank will directly block the card. 2. Multiple overdue repayments: Credit cards must be repaid within the specified time. Failure to repay when due or late repayment will lead to overdue payments. If it's just once or twice, it's understandable, but multiple overdue payments are obviously a sign of a lack of willingness to repay, or an inability to repay, and banks will not give too high a credit limit to such borrowers. 3. Abnormal card use: For example, if a long-term empty card is maxed out every month and the minimum payment is often made, the bank will think that there is a problem with the capital chain and focus on risk control of the cardholder. Once a cardholder frequently swipes the card at a fixed merchant, or swipes the card every month or does not swipe the card at all, and makes several large transactions at one time, it is obvious that the card is used abnormally. In order to avoid risks, the bank will reduce the credit card limit. The above is the relevant introduction of "How many times a month will the credit card limit be reduced?" I hope it will be helpful to everyone.