What does it mean to send a text message with an industrial and commercial credit card because of the credit downgrade?

ICBC's credit card sent a text message telling it to reduce the amount of credit due.

That is, the credit card was dropped because of poor credit. At present, the credit card limit is reduced. Remind yourself to strengthen credit management in the future, and don't lower the limit because of credit problems.

To go to the shopping center, you need to verify the identity of the cardholder. Please be sure to bring your ID card. Generally, installment payment in the market is free of charge. The interest rates of bonds No.6 and 12 are different from bank to bank.

As long as it is a staged commodity that is normally sold in shopping malls, it can generally be staged. In many cases, cardholders can bundle all kinds of goods together and pay in installments.

These cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are used to buy goods at designated stores, refuel at gas stations and pay daily bills. Travel and entertainment cards are credit cards issued by service companies to purchase air tickets, meals, accommodation, entertainment and so on.

Extended data:

Illegal cashing may reduce credit cards.

If the credit card is illegally cashed out and is detected by the system, the credit card may be downgraded. If the cash amount is large, it will not only affect the personal credit record, but also be directly stopped by the bank. If the circumstances are serious, criminal responsibility will be investigated.

Malicious overdue may reduce credit cards.

If the credit card bill is overdue for a long time, or the amount owed is large, the bank will think that the cardholder has the risk of bad debts, the credit card may be downgraded, and the serious personal credit record will also be affected.

The account is abnormal and the credit card may be reduced.

This kind of situation is generally stolen. For example, someone has been trading in China. Suddenly, one day, the bank finds that this person has made several transactions abroad, and the bank will take the initiative to call the customer to confirm whether it is my operation. In order to avoid risks, banks may take the initiative to reduce the credit card limit, or apply for reducing the credit card limit of cardholders through cardholders to prevent theft.