What's with the reduction of credit cards?

The decrease of credit cards may be due to: cashing out, reduced frequency of credit card use and overdue.

First, credit cards must be downgraded for a reason. If you have bad credit card habits, once the bank's risk control system is triggered, the downgrade is a matter of minutes. For example, sudden one-time large-scale consumption, long-term large-scale credit card swiping in the same merchant, and doubtful credit card swiping time. Generally speaking, the main reason why credit cards are controlled by the wind is abnormal consumption. For example, cardholders' consumption habits are lifestyle credit cards, such as supermarkets, transportation, specialty stores, rent and so on. But suddenly, the proportion of this consumption has dropped sharply, and it has been replaced by other consumption, and the credit card has been maxed out, so that the bank will think that your credit card is risky and then control the risk.

Second, cancellation is actually very simple. You can get a credit card risk report from the official account of WeChat in KaKuai, which will provide your credit card consumption behavior analysis and credit card transaction behavior analysis, find out the reasons, and then take the initiative to explain to the bank that your credit card is normal consumption, and provide invoices, receipts and other consumption vouchers. As long as you tell the bank that you are a real transaction, the bank will naturally help you cancel the risk control.

Third, the restricted area:

Current balance is insufficient.

Whether it is full repayment or installment repayment, as long as the balance of installment repayment is insufficient, it will have an impact on credit card credit information. On the last repayment date, if the balance is insufficient, make up the repayment after the repayment date. This will tarnish your credit information and make your withdrawal application more difficult to pass.

The quota is too full.

It costs a lot of money to blow every time you swipe your card. Sometimes one card is not enough. You need more credit cards to make up for it. Exceeded the limit of each credit card. Banks will feel that if they continue to spend a lot every month, the use of credit cards will have a clue. Unless the cardholder makes some investment, the average family will not have such a big daily consumption. Such a cardholder will not only withdraw the amount, but the bank may also issue a warning to the cardholder or cancel the card.

Fourth, fix large consumption.

Banks handle credit cards to encourage people to spend. But if the cardholder spends a lot at a fixed place and time every month, and the cardholder shows no signs of repayment. The bank will think that the cardholder is using a credit card to withdraw cash, and it is not recommended to withdraw cash, and once it is determined that you are withdrawing cash, it may reduce the amount of your bank card.

The time and place of swiping the card is illogical.

General consumption time and place

In a certain period of time, the cardholder's consumption place should not be too far away. The last time he spent money in one city, half an hour later, his credit card was spent in another province. This is a bit illogical. The bank will judge the daily consumption according to the cardholder's credit card, if it is often spent like this. It is difficult for banks to withdraw money from credit cards.

5. Don't use it for a long time

If the cardholder does not use the credit card for a long time, it is possible for the bank to reduce the limit.