The bank of communications credit card sent me such a short message, asking for a detailed explanation.

To clarify a question, what does the so-called "credibility" mean? The credit referred to in the banking system actually refers to the record of your personal credit card holdings in the squadron of "Personal Credit Information System of China People's Bank". Banks will refer to this record when issuing cards and increasing credit lines.

The system will display all your credit cards. But it doesn't show which bank it belongs to. The names of all banks will only be available if you look them up yourself. Colleagues display the status of each card, whether it is normal, stopped payment, frozen or written off.

The bank has given you a credit line. It seems that your credit has not been affected by your several delays in repayment. This is a good thing, because the bank has made stricter regulations on the amount and time of overdue repayment, so timely repayment is always good.

In addition, let me tell you the reason for the bank withdrawal: 1, your credit rating; 2. Your card usage; 3 the development needs of the bank's own credit card business.

Let's not talk about the internal operating norms of banks. I hope it works for you.