1. Due to various reasons of cardholders, ICBC's credit cards are seldom used or even used. In this case, the bank will feel that the cardholder has occupied the bank's quota and will reduce the credit card quota. After all, the current credit line is relatively tight.

2. The cardholder is suspected of withdrawing cash when using the ICBC credit card. If the cardholder has a large cash withdrawal, the bank will control the risk of the cardholder. If the circumstances are serious, it will be blacklisted by the bank, and the bank will reduce the credit card limit during the investigation.

3. There are many cases of overdue repayment. If the payment is overdue for more than three months, the bank will not only charge interest and late fees, but also cause malicious overdraft when it reaches a certain amount. In this case, the bank will reduce the cardholder's quota, and if the circumstances are serious, the bank will seal the card.

1. Try to swipe your card, swipe your card in different modes, and spend it continuously. Usually, as long as you can swipe your card where you can spend money, such as supermarkets and convenience stores. You can even help your friends pay for it and then ask them to give you money. This credit card mode will make banks feel that the consumption level of cardholders is constantly improving and depends on the credit card limit. In the long run, ICBC will increase the credit card quota.

2. If the funds permit, you can repay the loan by installments with a certain interest, which will give the bank some sweetness and the bank will open the door for holding the card.

3. Withdraw the amount in installments. It is suggested that cardholders should not apply for withdrawal too frequently, and it is best to apply once every six months. Frequent application for withdrawal may not give too high a quota.

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ICBC's credit card limit has been reduced to 0. Is it possible to recover in the future?

If the credit card limit drops to zero, it will be difficult to return to the original limit. If the credit card limit is reduced, you should immediately choose to cancel the account in full, because once you enter the bank's risk control black box, it is basically difficult to return to the original point, and it is difficult to get the opportunity for the bank to raise the amount again.

Therefore, after canceling the account, do not apply for the bank's card within half a year, and apply again after half a year to obtain a new identity, re-raise the card and obtain a higher credit limit. If the card is blocked, don't cancel it immediately. If you have the ability, you can repay it in full. If not, you can choose to repay by installments.

However, some cardholders will also encounter "accidental injuries" from banks. In case of "accidental injury" of the bank, the cardholder can immediately call the customer service staff of the credit card center of the issuing bank to explain the consumption situation and submit relevant invoices or proof of purchase. Under normal circumstances, the normal limit can be restored.

Extended data:

The credit card limit has been reduced, and it is difficult to recover unless the bank's misoperation can be recovered. In addition to the bank's reasons, it is recommended to cancel the card in time and apply for a new credit card. Because according to the credit card contract, the bank has the right to dynamically manage the credit line of the cardholder based on a wide range of risk factors, and take risk management measures such as reporting the loss and reducing the credit line.

Long-term idleness, single consumption, abnormal credit card swiping, abnormal repayment, and poor credit reporting are the five main reasons that easily lead to credit card downgrade. Therefore, to reduce large-scale consumption, the place of consumption is variable. Secondly, try not to overdraw the credit card limit, occasionally use installment business, and don't overdue.

People's Network-Credit card has been lowered? Don't do these things again.

Why did ICBC's credit card limit suddenly decrease?

If your ICBC credit card is inactive for a long time, its credit limit will be reduced.

From the bank's point of view, this is because cardholders use fewer cards and occupy the bank's quota, so it will be reduced. After all, now that the credit line is relatively tight, banks will naturally not let the credit line be wasted in the hands of cardholders.

Under normal circumstances, the bank will notify the cardholder when it reduces the limit. The extent of the decline of ICBC's credit card limit is also clearly stipulated, and it cannot be less than 30% of the original limit.

In addition, some customers who have been using ICBC credit cards normally are suddenly told that the credit card limit has been lowered. What happened?

In fact, this situation is mostly because the inspection by the regulatory authorities is more stringent. In the process of investigation, in order to avoid some credit card cashing behaviors, the credit limit of some users was reduced and adjusted to a reasonable range to avoid suspicion.

Of course, this is only one reason. On the other hand, banks also make a decision to reduce users' credit lines from the perspective of capital.

Because the greater the user's credit line, the more capital will be occupied, and correspondingly, the less capital adequacy ratio of banks will be. In this case, in order to alleviate the credit shortage, banks will inevitably adjust the idle credit lines of some users.

The introduction of ICBC's credit card limit reduction ends here.