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Many banks have indicated that they are more likely to affect the amount of credit card, illegal cash flow, malicious overdue, and abnormal account.
Credit card violation
"If you use the credit card to cash out and be detected by the system, it may lead to a reduction in the credit card amount. If the cash amount is large, it will not only affect the personal credit record, but also may be directly stopped by the bank. If the circumstances are serious, it will be investigated for criminal responsibility. A bank staff member said that credit card violations are the focus of bank stalking.
Some users think that it is very concealed to swipe the card on the POS machine or use the Taobao shop to swipe the card. In fact, the bank has a set of abnormal behavior screening mechanism. The characteristics of the cash are generally obvious, some are repeated on a pos machine with a large number of integer brushes, or the most long-term interest-free repayment of 50 days per month.
Credit card malicious overdue
If the credit card bill is not repaid in a long period of time, or the amount of the arrears is large, the bank will consider that the cardholder has a risk of bad debts and may be deducted for credit card deduction. Serious personal credit records will also be affected.
Credit card account is abnormal
This kind of situation is generally stolen. For example, if someone has been trading in China, one day the bank finds that the person has even brushed several foreign transactions, and the bank will take the initiative to call the customer to confirm whether it is his operation. In order to avoid risks, the bank may actively reduce the credit card quota, or apply for the cardholder to reduce the credit card quota to prevent theft.
Banks reminded that to avoid credit card derating, try to maintain a good card usage habits, try to spend at different types of merchants, do not violate the rules, timely repayment to avoid credit card cash and so on.
“It’s reasonable to reduce the quota to zero when the card is too small?†Ms. Zhang felt a little wronged.
The reporter contacted the bank. "Under normal circumstances, the number of card swabs will not be derated." Bank staff explained, but some users do not use the credit card for a long time after activation, or the amount or frequency of credit card is seriously lower than the credit card limit, it will be considered as no card demand. , was reduced by the amount.
Long-term use after activation, too few times, may be derated
The reporter learned from a number of bank credit card centers in Jinhua that it is normal for credit cards to be derated in different situations. However, many users are accustomed to "only rise and fall."
"How many pens are brushed each month, how much is used, as long as the repayment is made on time, in the case of normal use of the card, in general, there will be no derating." A staff member of a state-owned bank in Jinhua said that the bank credit card The size of the overdraft limit is mainly determined by the bank's assessment of the cardholder's economic credit status.
"If the cardholder's consumption and repayment are in good condition, he will be given a constant increase in the amount; if the cardholder's economic situation deteriorates and the repayment record is bad, he will be given a credit card reduction."
However, he also said that if the user's credit card is not used for a long time after activation, or if the amount and frequency of credit card is too small, it is possible to be reduced.
"Banks issue credit cards, I hope that you will spend your credit card. If you don't use them for a long time or use them very little, you will be considered as having no card needs."
An industry insider revealed that if a user applies for a credit card, even if there is no overdraft, the credit line will also occupy capital, which will reduce the bank's capital adequacy ratio. The credit card limit is lowered, and the bank is to reduce the occupation of capital.
If you don’t swipe your credit card for one year, you can reduce the credit card amount to zero.
Did not swipe credit card for one year
The amount is reduced to zero
Violation of rules, malicious overdue, and fewer credits may be derated
Recently, Ms. Jinhua Zhang told this newspaper that she had set up a bank credit card a few years ago with a credit limit of 25,000 yuan. It has been in normal use, but it was useless last year. Recently she suddenly received a text message from the bank and the credit card limit was reduced to zero. The reason is that no transactions have occurred for a long time.