Huaxia Credit Card fired the first shot of 20 19. What should I do if my credit card is frequently deducted?

20 18 is the year of concentrated credit card risk control. The word "reducing credit cards" has been with the credit card industry for a whole year. Unexpectedly, just after 20 18, the 20 19 credit card downgrade war began again. Huaxia Bank took the lead in firing the first shot of 20 19 credit card reduction.

1, Huaxia Bank's credit card dropped without warning!

Huaxia Bank's credit card has a very low presence, and its risk control is very loose compared with other commercial banks. On 20 18, we occasionally heard the news of Huaxia Credit Card's card reduction, but just yesterday, on the first working day of 20 19, we received the news that Huaxia Credit Card began to reduce its card. The large-scale credit card reduction came suddenly, and the cardholder who was reduced did not receive a warning or reminder message from the bank.

Card friend A: 28,000 of the 30,000 quota has been phased. Now the available quota is 1.900 yuan, but Huaxia just reduced the available quota. At present, the available quota is 28 1 1,000 yuan, and it is estimated that it will be reduced in the future.

Card friend B: On June 5438+February, the card was used normally and the debt was high. There is no overdue situation. I got a call a few days ago asking me to divide it into stages, but I didn't agree. Today, the quota was directly reduced, and the available quota was reduced as much as possible. The quota of 44,000 is still 39,700.

2. Analysis of the reasons for the decrease of Huaxia Bank's credit cards!

20 19 credit card circle is not good for all cardholders. The analysis shows that most of the reasons for the decrease of China's credit cards this time are that the card debt is relatively high, but it is not overdue. Judging from the situation of being reduced, only the available amount is reduced. Although the reduction is small, it is definitely a dangerous signal. I believe that as long as there is repayment, it will be further reduced. This time, Huaxia's credit card reduction method is different from other banks' simple and rude. Huaxia bank's gentle means of reducing the amount is not because of kindness. This kind of means similar to boiling frogs in warm water should be that Huaxia Bank is afraid that once the downgraded cardholders push too hard, there will be a large area of overdue, so cardholders should not take any chances.

3. How to prevent Huaxia Bank's credit card from being downgraded!

Huaxia Bank's downgrade is characterized by the fact that the quota that has been phased has not been lowered. Those with high debts can be temporarily secured by stages. Card friends should have found that the wind direction of the credit card industry has changed a lot, and almost all banks have strengthened the risk control of credit cards. Let's do it in stages!

If you want to keep the existing limit, you must ask the bank for advice because of high debt. At this time, it is not optimistic for the bank to let you divide it into stages regardless of the consequences. Of course, cardholders with low debts and regular credit cards can completely ignore the bank's installment requirements. Another key cardholder needs to pay attention. Analyzing the current situation of loan reduction in China, it is found that there are many cases of loan reduction after repayment.

If you need a card friend with cash flow, try not to repay in installments at one time, and brush it out in a safe way as soon as possible after repayment. Although this method affects cash withdrawal, it is the current focus to keep the quota and maintain the operation of the capital chain.