Nowadays, many people have one or two credit cards more or less, and the bank will give a certain amount after approving the cards, which can be used for daily consumption. Moreover, the credit card limit will not be fixed, and will be adjusted irregularly with the cardholder's card usage and credit status. Many people are worried that the price of credit cards will be reduced. So, how to judge whether the credit card has been downgraded?

Credit card reduction often happens, but banks will not reduce it for no reason, so they will make some tips in some aspects, pay close attention to it, and maybe they can get it back. That's all.

1. Risk control SMS: Banks generally monitor credit card accounts, and send risk control SMS reminders if they find unreasonable behaviors in the use of credit cards, or if the credit cards are risky or abnormal. Once or twice, the credit card limit may be reduced.

2. Restrict the use of credit cards: If the cardholder does not set a credit card transaction limit, he can't swipe his card if the credit card limit is sufficient, or prompt the merchant that the use of credit cards is restricted, indicating that the credit card is under the risk control of the bank. Therefore, to be vigilant, it is best to change the payment method.

3. Power failure: There are usually some obvious signs. For example, if you can't use the card in installments, you can't withdraw the amount, and you can't even apply for a credit card loan with a temporary quota. Obviously, the reason for closing the door is mostly because the use of the card triggered the risk control of the bank, and the decrease in the amount is not accidental.

In short, the credit card downgrade can basically be predicted from the above tips. If it goes down, don't worry. As long as some countermeasures are taken in time, the downward adjustment will resume sooner or later.