The real reason for credit card derating is here

The real reason for credit card derating is here. Xiaobian introduces you to the details.

1. Cash out with a credit card

Cash-out is the main purpose of many card-friends, but if you spend a large amount of integers on the same POS every month, or you often spend a large amount of credit on the top machine, the amount will be used up quickly. Once it is discovered by the bank, it may be Remind you in the form of a reduced amount.

2, often brush small consumption

The bank has given you a high amount of cards, and your monthly credit card consumption is really small, even less than 10% of the credit. Over time, there may be banks that think that your credit card demand is not very large, in order to Reduce the risk of both parties, so as to reduce the amount first.

3, often overdue, and the amount owed is large

If your credit card is often overdue and the long-term arrears are not refunded, the bank will probably lower your usage limit in order to avoid more losses. Not only that, but this bad card record will also be recorded in the personal sign. In the letter, once the credit has been stained, it is difficult to apply for a card or apply for a loan.

Do you often use the card like this, if it is, but it has not been discovered by the bank, advise you to return to the correct way to use the card as soon as possible, and once it is discovered, it may be too late to save. Finally, remind the card friends again, even if it is difficult to repay, do not owe a point to not pay, you can choose the minimum repayment or instalment, at least will not affect personal records.