Why did CITIC Credit Card reduce its quota?

CITIC Credit Card will drop as soon as it drops.

The possible reasons for reducing the credit limit of CITIC Credit Card are: suspected cashing, overdue behavior, long-term non-use, etc.

The reasons for the reduction of credit card repayment of CITIC Bank are as follows:

1) Suspected of cashing out: Cardholders often spend money on Taobao website, frequently make large transactions, and buy a large number of virtual goods with credit cards. The issuing bank will think that the cardholder is suspected of cashing out the credit card and put the credit card on the list of suspicious transactions, which will generally reduce the amount or even stop the card.

2) Frequent overdue behavior: Cardholders often fail to repay credit card bills on time, and banks will doubt the repayment ability of cardholders and think that there is a greater risk of default, so the credit line will be reduced.

3) Long-term non-use: If the credit card of CITIC Bank is not used for more than half a year, the credit card that is not used for a long time will not only have serious security problems, but also waste the credit line and be easily downgraded by the bank.

4) Too many times of cash withdrawal or installment: cardholders often use credit cards to withdraw cash or apply for credit card installment, which is easily suspected by banks of insufficient repayment ability or credit card risk, and it is very likely to reduce the limit.

1. 1987 At the beginning of this year, with the approval of the People's Bank of the State Council and China, CITIC Bank was formally established. Headquartered in Beijing. 1In April, 1987, the People's Bank of China approved CITIC Bank as a state-owned comprehensive bank, a subsidiary of CITIC Company, with independent legal personality. The registered capital is 800 million yuan. Self-management, independent accounting, self-financing. You can set up branches at home and abroad to operate approved banking business.

2. The meaning of the logo of CITIC Bank:

1) seems to be the English of CITIC (China International Trust and Investment Company, China International Trust and Investment Company).

2) Like a pair of doors that are about to open, it means that CITIC is the frontier of opening to the outside world.

3) inner and outer rings. Brand Interpretation: The symbol of honesty, dignity and steady development comes from the seal of China. The first meaning of the seal is honesty. Chinese seal was called seal in ancient China. It is a symbol of power and dignity, a profound crystallization of China's culture for thousands of years, and reflects the wisdom and active pursuit of the people of China. The main color of printing is red, which also represents the rise, growth and development.

What is the credit card reduction of CITIC Bank?

The credit card limit of CITIC Bank can be reduced in the following ways:

First, the account is abnormal, which usually occurs in cash withdrawal. If you have a large number of credit card transactions in a certain period of time, and the types are particularly concentrated, it is easy for banks to suspect that they are cashing out.

Second, the credit card is overdue and often does not pay back the bank's money, so I won't dare to lend you so much.

3. If your CITIC credit card has not been used for more than 5 months, it is easy to be downgraded by the bank. Credit cards that have not been used for a long time have serious security problems.

According to relevant regulatory requirements, CITIC Bank Credit Card will carry out continuous post-lending management of credit card accounts, including the adjustment of credit limit. Please keep good card habits. If you can adjust the amount, the bank will take the initiative to adjust. If you want to restore the credit card limit of CITIC Bank, you must first find out the reasons for the decrease, and then solve the problem. For example, if your credit card is overdue, you should repay it in full and on time from now on. Don't call China CITIC Bank to apply for canceling the credit line after a while. If the account is abnormal for reasons other than its own, you should make it clear to the bank and ask for a good amount. If it is really caused by your illegal cashing, don't cash out again and use the card reasonably. In short, you should use it frequently, swipe your card more and spend more. After using it for 2 months, you should call China CITIC Bank to apply for restoring the line.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

What is the reason for the reduction of credit card repayment of CITIC Bank?

There may be the following reasons for the decline in the credit card limit of CITIC Bank:

First: swipe your card regularly, and the card is maxed out.

Credit cards are swiped on such a fixed day every month, and they will be maxed out every time they are swiped. This kind of credit card behavior will make the bank think that there is a suspicion of cashing out, thus reducing the amount.

Second: the credit card has a high amount, but it is not usually swiped.

If your credit card has a high limit, but you don't usually swipe your card, the bank will think that you don't need such a large limit, so the bank may withdraw this credit card limit.

Third: overdue repayment

Overdue repayment will affect personal credit information, and the bank will think that you don't have the repayment ability and reduce your credit card limit.

So much for the introduction of why CITIC Credit Card was downgraded.