Why does the overdraft limit of Guangfa Credit Card automatically decrease?

The bank will adjust the fixed quota regularly according to the usage of each user. The landlord is likely to be overdue, and the bank will automatically reduce the quota for you.

In addition, there are some situations that will reduce the quota.

The account is abnormal, which usually occurs in "cashing out". If the landlord has a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy for the bank to suspect that it is cashing out. This situation belongs to account abnormality, and account abnormality also includes card theft.

It may also be that Guangfa Credit Card has not been used for more than 5 months, so it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems. Banks will define this situation as "sleep card", and reducing the quota is also beneficial. Once there is a stolen brush, the loss will not be so serious.

If the landlord wants to restore the quota now, he has to prescribe the right medicine. For example, if the credit card is overdue, he should repay it in full and on time from now on. Never call Guangfa Bank to apply for the quota back after a while.

However, if the account is abnormal, not for its own reasons, the landlord will make it clear to the bank and ask for the quota to be transferred back.