The credit card limit of Guangfa Bank is reduced.

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?

The credit card limit of Guangfa Bank is reduced.

1 Credit card overdue.

Credit cards have very high requirements for personal credit information. If the credit card is overdue or unpaid, the credit card center will reduce the credit card limit in order to reduce the risk.

2 illegal cashing or 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's credit card or suspend the cardholder's credit card use 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 monthly credit card limit is too small, the consumption 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.