Several reasons for the decrease of credit cards:

1. The credit card of CITIC Bank decreased due to the cash withdrawal of credit cards.

Some criminals will cash out through online shopping or pos machines when using credit cards, and banks will have a set of identification mechanisms to identify credit card cashing behavior. For credit cards suspected of cashing out, the amount will be reduced first and then the card will be stopped. If the circumstances are serious, criminal responsibility will be investigated.

Second, the interest rate of CITIC Bank's credit card was reduced due to overdue credit card.

If the credit card is overdue for a long time or the overdue amount is large, it will also cause the reaction of the issuing bank, reduce the credit card limit of the cardholder, and prevent the credit card bad debt risk caused by serious overdraft.

3. CITIC Bank's credit card was downgraded due to abnormal credit card account.

When a credit card is stolen, it often happens that the credit card account is abnormal. If it is found that the credit card has been stolen, the bank will temporarily reduce the credit card limit after obtaining the consent of the cardholder to prevent greater losses from being stolen.

Fourth, the long-term non-use of credit cards led to the reduction of credit cards in CITIC Bank.

In addition to the above, if the credit card is not used for a long time after activation or the amount and frequency of credit card spending are seriously lower than the credit card limit, the bank may also reduce the credit card.