Many cardholders said that although their credit card repayments were made in full and on time, the limit was still reduced, and they wanted to know the reason for the reduction. In fact, it is because of violations that the credit card application platform will reduce the credit limit. The bank will not carry out derating operations for no reason. It may be caused by these bad behaviors of users!

1. There is any violation of card usage. If a user often swipes the entire amount of the card or empties the card, or swipes the card immediately after repayment, these are abnormal card usage behaviors, which will cause relatively large risks to the bank. In order to avoid risks, the bank will definitely take effective measures. Take measures to deal with it, such as derating or blocking the card. Therefore, everyone should maintain good card usage behavior during the card use process to avoid overdue payments and other situations.

2. Overdue items often occur. When you use your credit card, if there are frequent violations such as overdue payments, the bank will consider the user to be at great risk. Therefore, it is normal for everyone to reduce the limit after repayment. Therefore, users must maintain good card usage behavior when using credit cards, repay in full and on time, and avoid overdue payments.

3. Repayment ability. The card issuer can judge the user's repayment ability through the user's card usage behavior. If you use the minimum repayment amount for a long time, or make frequent installments regardless of the amount of the bill, it means that the user's current repayment ability is Relatively weak ones may even have the risk of being overdue, and the credit limit may also be reduced after repayment.

4. The frequency of card use is low. The purpose of issuing credit cards to users is to allow users to make purchases by swiping their cards. Only when users frequently swipe their cards to make purchases can banks make profits. However, if after a card is issued to a user, the user's monthly credit limit is less than 10% of the credit limit, even if the user repays the loan in full on time, he or she will face a reduction in credit limit.

Therefore, users must maintain good card usage behavior during the card use process, repay in full and on time to avoid overdue situations, and do not blindly pursue high limits, otherwise it is easy to overdo it. Consumption, and ultimately the inability to repay.