Precursor of credit card downgrade: be careful in these cases.

The control of credit cards by major banks is becoming more and more strict. With the tightening of bank risk control, many cardholders' credit cards have been reduced. However, the credit card downgrade is not accidental. There are usually some precursors. If the cardholder meets the following circumstances, it is best to standardize the use of the card, otherwise it will be downgraded by the bank.

1, received bank warning.

For example, receiving a phone call from the bank, or receiving a text message to remind the cardholder to use the credit card for personal consumption, shows that the bank is warning the cardholder not to have any abnormal transactions. If it doesn't matter, I will go my own way and frequently swipe my card in large amounts, which is most likely to be reduced or exempted by the bank in the future.

2. There is no amount for more than half a year.

Generally, there is a time limit for withdrawing cash by credit card. For example, the temporary quota is adjusted every three months, and the fixed quota is adjusted every six months. If the credit card is swiped every month, but the bank has not withdrawn the amount for more than half a year, it means that the credit card has been on the bank's gray list. If the cardholder does not use the card often, the amount may be reduced.

3. Credit cards cannot be paid by installments.

Including bill installment, cash installment, etc. The card is generally used normally. If there is a limit, the bank will let everyone handle it. If it can't be phased, it also means that the credit card is on the gray list and may be locked in a dark room. If the card is not standardized in the future, it will be downgraded by the bank.

4. There is no special installment quota.

Many banks provide special installment quotas for cardholders who have used their cards well, which can be used for consumption or cash withdrawal. If there is no quota, or there is a quota, the application will be rejected, and it is also possible that the credit card will be controlled by the wind and may be reduced by the bank one day.

5. Specific merchant quota

Refers to the failure of a merchant to prompt the limit, but it may be that another merchant or POS machine can trade again. Although it may not decrease, it is only temporary. Similarly, adding credit cards to the grey list is only one step away from the reduction.