Why didn't I inform China Merchants Bank of the credit card reduction? How to raise the amount after the credit card is reduced?

Banks will remind cardholders from the following aspects that credit cards are risky.

1. Received the text message. If the credit card is used normally and has been repaid on time, you will not receive a warning message from the bank. If the cardholder's credit card is swiped abnormally, a large sum of money suddenly appears in the previous small transaction or the credit card is emptied, the bank will send a text message to remind the credit card transaction of the risks, so as to standardize the use of the card.

2. Reject by stages. Proper credit card installment allows banks to earn fees. It stands to reason that banks are eager for cardholders to do more installments, so the more money they earn. However, banks don't mean that they all come to you. If the cardholder touches the bank's risk control point and becomes the key risk control object of the bank, they may be dragged into the little black room. In this case, staging may be rejected. If the cardholder does not find a way out of the darkroom, it will be a matter of time before the card is standardized.

3. Restrict transactions. The credit card was working well, and suddenly it couldn't be used. This is probably because banks have restricted transactions. A big reason is that credit cards have abnormal transactions, or they are overdue and blacklisted by banks, which is also a precursor to credit card downgrade.

If you want to increase the credit limit, you should use your card frequently, increase the frequency of swiping your card and pay attention to diversified consumption. Besides, you can also get a credit card evaluation report through the card review, which covers your withdrawal probability, consumption index, transaction profile, consumption area, consumption abroad and other information. Only by understanding the behavior of using cards in multiple dimensions can we improve our credit card limit faster, more accurately and more ruthlessly!