Why can't the Agricultural Bank of China credit card provide the recommended quota?

Agricultural Bank of China credit card withdrawal failed.

There are mainly the following four reasons, which lead to the credit card of Agricultural Bank of China having a recommended amount but unable to withdraw cash.

1. This credit card has an overdue record in the past 2 years.

It's not necessarily that ABC's credit card is overdue, but that other banks' credit cards are overdue, which will affect the withdrawal amount of ABC's credit card. Cardholders can check their credit reports, and you will find that the Agricultural Bank of China is checking the credit reports of cardholders every month this year. Once the credit cards of other banks have overdue records, the credit rating of the bank next door will be lowered. At present, the lowest rating is D, which is the worst level.

Agricultural Bank of China has strict risk control this year, and a little overdue will have an impact. How strict is it? Even if there is 1 yuan overdue on other banks' credit cards, as long as there are two or more overdue in succession, it is absolutely impossible to withdraw cash within two years. Therefore, if the credit card of the bank next door is withdrawn steadily, we must pay attention to the credit and see if the repayment is timely.

2. The total credit limit of credit card is too high.

The reference amount given by the Agricultural Bank of China credit card is determined by the system according to the cardholder's qualification and card usage. However, whether it can be successfully withdrawn still needs manual review. At least it is necessary to manually think that there is no problem, and put the cardholders who can withdraw cash into the white list. Cardholders can withdraw cash by themselves through online banking or mobile banking.

Not to mention those who reach 500 thousand. Some people have particularly good conditions, so their total credit line will be higher. If there is no problem with their credit history, there is still room for improvement in their ABC credit card.

3. Credit card debt is too high

The cardholder's existing credit card is almost used up, and ABC will also worry about the cardholder's repayment ability and strictly control the increase of the credit card limit of ABC. In order to successfully withdraw cash from the next bank's credit card, it is necessary to reduce the existing liabilities, and it will take three months to withdraw cash from the Agricultural Bank's credit card.

There are many credit card or loan applications recently.

Even if there is no problem with the cardholder's credit history and the credit card debt is not high, there are many credit card or loan application records recently, which will also affect the credit card limit of ABC. Because ABC has strengthened risk control now, it will pay more attention to users who have applied for records many times. In order to control the risk, anyone who has too many inquiries will be directly restricted from withdrawing money.