1. The credit card is not used for a long time

The bank's credit card hopes that the holder can spend money. If it has been idle for a long time, some banks may think that the holder does not need this card.

2. Long-term overdue or large overdue amount

Overdue credit cards will not only be recorded in personal credit information, but also affect subsequent loans and card processing. If it is overdue for a long time or the overdue amount is large, the bank will reduce the amount, and then close the card and stop using it.

you can call the credit card customer service for specific reasons.

Extended information:

1. Consequences of credit card default without repayment

1. Bad repayment records will be recorded in the personal credit information system, which will affect other businesses in the bank in the future, such as loans and mortgages.

2. default will always generate interest and late fees, and if the bank thinks you are in bad faith, it will sue in the name of credit card fraud, which is an economic crime.

2. There are the following forms of malicious overdraft of credit cards:

(1) A large number of overdrafts are made knowing that they have no repayment ability and cannot be returned;

(2) the overdrawn funds are squandered and cannot be returned;

(3) escaping after overdraft, changing contact information, and evading bank collection;

(4) Evading or transferring funds, concealing property and evading repayment;

(5) using overdrawn funds for illegal and criminal activities;

(6) other illegal possession of funds and refusal to return them.

3. Credit card processing conditions

1. The age is between 18 and 65.

2. Have a stable occupation and income.

3. Have good credit and the ability to repay the interest on time.

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors, and a certain degree of mental illness are not allowed).

If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse.

iv. the process of handling credit cards is as follows:

handling credit cards at bank outlets.

(1) Go to the bank to fill in the credit card application form and submit personal certificates and other application materials. The application form should include all information such as income and position.

(2) waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.

(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information sent by the bank.