Will the credit card be charged? That's what the bank said

Credit card downgrade is not carried out for no reason, and there are usually some precursors. Users must pay attention to some behaviors in the process of using the card to avoid being degraded. So, will there be a reminder that credit cards will be reduced or exempted? Need to pay attention to these precursors!

Will the credit card decrease be notified?

You will be notified when the credit card is reduced. If the user illegally uses the card, the bank will send a short message to warn the user. If you still use the card illegally after receiving the warning, the bank will directly reduce the credit card limit. As for the credit card being downgraded, it will not affect the normal use of credit cards. The repayment date will not change after the credit card is restricted. In addition, after the credit card limit is reduced, users need to accumulate good credit records for a long time, otherwise the reduced credit card limit cannot be restored.

The precursor of credit card being downgraded:

1, warning message received. 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 transaction is abnormal, such as a small transaction in the past, there will suddenly be a consumption of more than 5,000 yuan, and even more, the credit card will be emptied directly, touching the bank's risk control point. Banks will send text messages to remind them that their credit card transactions are risky, so as to regulate the use of cards and the like. This is because the bank suspects that the cardholder is cashing in. This short message is warning the cardholder that if the card is not used properly, the credit card will be downgraded.

2. Reject by stages. Credit card installment allows banks to earn fees, which is also one of the sources of bank profits. It stands to reason that banks are eager for cardholders to do more installments, so the more money they earn. But banks don't mean that everyone comes, and love money has its own bottom line. 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, the installment payment may be refused. If cardholders don't work hard to get out of the darkroom, it's only a matter of time before the card is standardized.

3. The transaction is limited. Some card friends used to use credit cards very well, but suddenly they can't use credit cards. They changed a lot of POS machines, probably restricted by the bank. 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.

Therefore, when users use their cards, they must maintain good card-using behavior and repay them in full and on time to avoid the reduction of credit cards.