Icbc downgraded short message content

That is, the credit card was dropped because of poor credit. At present, the credit card limit is reduced. Remind yourself to strengthen credit management in the future, and don't lower the limit because of credit problems.

Illegal cashing may reduce credit cards.

If the credit card is illegally cashed out and is detected by the system, the credit card may be downgraded. If the cash amount is large, it will not only affect the personal credit record, but also be directly stopped by the bank. If the circumstances are serious, criminal responsibility will be investigated.

Malicious overdue may reduce credit cards.

If the credit card bill is overdue for a long time, or the amount owed is large, the bank will think that the cardholder has the risk of bad debts, the credit card may be downgraded, and the serious personal credit record will also be affected.

The account is abnormal and the credit card may be reduced.

This kind of situation is generally stolen. For example, someone has been trading in China. Suddenly one day, the bank finds that this person has brushed several transactions abroad, and the bank will take the initiative to call the customer to confirm whether it is my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit of cardholders through cardholders to prevent theft.

"It is better to pay back the credit card money in time, because it will affect the credit information after the deadline, and it will be difficult for you to get a mortgage in the future.

1, touched the online loan. Online loans must not be touched. As I said before, qualification is a very important condition for playing cards. If you contact online loans and get credit information, your credit card will basically be abolished.

2. It has expired. Many people are overdue, and not everyone has reduced the quota. But now credit card bad debts are increasing year by year, and banks are becoming more and more cautious. With so many cardholders, how to screen out high-risk customers? That is, whoever is overdue will be reduced.

3. The debt is too high. Many people have multiple credit cards, which are basically wiped out, and the debt ratio exceeds 90%, which is a risky customer in the eyes of banks. Therefore, it is safer to make 0 bills.

In short, credit card downgrade means that banks feel that cardholders are unsafe, which is the essential reason for risk control.

What about reducing the quota?

Since the quota has been reduced, it is impossible to restore it. After all, the bank reduces the quota because it thinks you are risky, so it will not restore the quota to the risky cardholders.

If your ICBC credit card is downgraded, go to the bank and ask why, and it is best to go directly to the local card department. It is still difficult for most card friends to repay tens of thousands or hundreds of thousands at a time, so consult the card department to see if they can repay in installments. As for success, it depends on how you talk about it, and ultimately it depends on the meaning of the bank.