What is the sudden downward adjustment of the credit limit of Guangfa Credit Card?

Guangfa credit card suddenly reduced its quota.

You can call for advice if Guangfa Credit Card suddenly drops. The general customer service will tell you what caused it. If it can be improved immediately, it is generally possible to apply for restoring the credit line. If you can't recover, you can use the credit card correctly in the future and then slowly recover the credit limit.

The sudden decrease in the credit line of Guangfa Credit Card may be due to frequent cashing by cardholders. If you don't cash out, you can explain to the bank. If the evidence is conclusive, the bank will restore the credit card amount. There is also a cardholder who swipes a card on a pos machine without a rate will often reduce the credit, so try to choose a pos machine with a rate when swiping a card.

The sudden decrease of CGB credit cards may also be caused by users not using them for a long time. If the cardholder has not used it for a long time, the bank may think that the user does not need so many credit lines. At this time, the cardholder's credit will be reduced, and this credit will be given to users in need. This is what everyone needs to pay attention to.

After the credit line of Guangfa Credit Card is reduced, you can still apply for a temporary credit line, or you can use the temporary credit line to increase the credit line. The follow-up promotion quota must be used normally for more than 6 months, and it is not allowed to expire during the use period. The monthly consumption quota is preferably 70%.

Don't cash out your card at ordinary times, otherwise the cost will be high and the amount will be reduced.

What is the reason for the downward adjustment of the credit card limit of Guangfa Bank?

With more and more people applying for credit cards, many friends who use Guangfa credit cards have encountered the problem of reducing the credit card limit. What is the reason for the downward adjustment of the credit card limit of Guangfa Bank?

1. Credit card overdue: Credit card requires very high personal credit information. If the credit card is overdue or unpaid, the credit card center will reduce the credit card in order to reduce the risk.

2. Illegal card raising: After the cardholder is suspected of risk control by the bank, the issuing bank will either reduce the credit limit of the cardholder or suspend the use of the cardholder's credit card according to the cardholder's specific situation.

3. The cardholder's spending power is not enough: if the cardholder's credit card limit is high, but the card is swiped too little every month, the spending limit is low. The bank will think that the amount given to the cardholder is not in line with the cardholder's spending power, and will also reduce the cardholder's credit card amount in due course.

Once it is found that the credit card has been downgraded, it is necessary to find out the reason for the downgrade so as not to cause more problems. If there is no great demand for credit card consumption, it is recommended to use a small credit card.

Amount reduced after repayment by Guangfa Credit Card

Reasons for the decrease of credit cards after repayment by Guangfa: 1. Bad use of credit cards and abnormal consumption. First of all, it must be that the cardholder's activity and contribution are not high, and he is not a quality customer of the bank. Of course, the reduction of credit cards is not only the lack of card activity, but also not as simple as making money for banks. This is only one of the small factors, and another reason is that personal identity is not proportional to the credit card limit, and there are too many large purchases. It is a very dangerous way to spend a large sum of money every month now. Don't indulge in some card strategies. Now, it has attracted the attention of banks to adopt small-scale and large-scale card raising methods in a billing cycle. 2. The cardholder's debt is too high. Abnormal capital status is undoubtedly a dangerous signal in the eyes of banks. Now cardholders with high debts will definitely be on the bank's high-risk list. The cardholder debt ratio is below 50%, which is a reasonable state. If it exceeds 70%, it will attract the attention of banks. The bank's tolerance for the cardholder's debt ratio is different in each period. In this environment, the tolerance of banks will certainly not be high. 3. The cardholder's credit information is also the fuse of demotion. In the past, banks didn't care much as long as the cardholder's credit information was not overdue and other bad records, but recently banks are very concerned about the cardholder's credit information. A large number of downgraded cardholders are due to the history of online loans or overdue records of online loans.

This is the end of the introduction about the sudden reduction of credit limit of Guangfa Credit Card and how it happened. I wonder if you found the information you need from it?