The reasons and countermeasures for the crazy credit card reduction of the four major banks

In recent years, with the increasingly fierce competition in the credit card market, are banks trying to win customers with a new card? However, in order to prevent and control risks, banks will adjust the credit card quota according to the actual situation. There are four major banks that have taken crazy reductions in their credit cards. Do you want to know the reasons and countermeasures for the crazy reductions of the four major banks? Let's take a look down!

The banks that made this crazy reduction are: Agricultural Bank, Bank of Communications, China CITIC Bank and China Guangfa Bank.

1. Credit card of Agricultural Bank of China

Many customers who hold credit cards of Agricultural Bank of China said that their credit cards were suddenly cut in half, and the reduction was mainly concentrated in Hangzhou, Shenzhen, Hubei and other places.

in various forums and post bars, many card friends said that the credit card limit has dropped from 12, to 6,, from 5, to 1,, and even from 8, to 1,, which is obvious.

2. Bank of Communications Credit Card

For a long time, the credit card holders of Bank of Communications have been advocating the frozen method, but judging from a group of small partners who have reduced the amount, the amount has been drastically reduced because of playing the frozen method. Some card friends said that the amount of thousands or tens of thousands was directly reduced to 1 yuan, which forced the cardholder to directly cancel the card!

3. CITIC Bank Credit Card

It is difficult for CITIC Bank, which has been dubbed as the "Iron Rooster", to raise the amount, and this time it has also started to reduce the amount in batches, which has made many cardholders who hold CITIC Credit Card complain bitterly. How can a low amount support the daily overdraft demand, and how can bonus hunter?

4. Credit Card of Guangfa Bank

Guangfa Bank, which joined the reduction army together, had a credit card limit of 1, and a credit card limit of 5,, and all of them were reduced to 8 yuan after the repayment!

so, how should the small partners who suffer from crazy derating deal with it? Is there really only one way out? For cardholders who have daily overdraft demand, it is recommended that you do not cancel the card. After all, crazy reduction of the amount is a bank policy. If you apply for a credit card after canceling the card, the amount may not be high, and there is a risk of rejection. Cardholders can try the following methods to save your credit card limit:

1. Apply for temporary limit through customer service phone and actively use the card;

2. If the limit is reduced to several yuan and there is no limit to overdraw, you might as well save money for consumption, and bonus hunter can also accumulate personal credit at the same time;

3. If you really can't do it, you should cancel your card early, and then reapply for it after a year or so. Never apply for it immediately after you cancel your card.

China Agricultural Bank reduced the credit card quota during the epidemic

During the epidemic, the credit card quota was reduced. Users can take the initiative to call the customer service hotline of the issuing bank to ask the customer service staff to help adjust the quota and restore the quota to the previous one.

if the quota is reduced only due to system reasons, the quota can be adjusted back.

however, due to overdue repayment and suspicious consumption of users, the credit limit is reduced, so it is impossible to manually recall the credit limit. Only after the users have accumulated more good credit records can the system restore the previous credit limit.

of course, it is normal for the credit card limit to be adjusted. As long as a good repayment record and consumption record are maintained, the subsequent limit will be increased.

How to restore the credit card quota of Agricultural Bank of China

After the credit card quota of Agricultural Bank of China has been lowered, it should be your credit card that triggered the bank's risk control system. In this case, unless you have a large deposit certificate of Agricultural Bank of China, it is difficult to increase the quota.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the 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 special 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 limit.

second, the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Specification for English Translation and Writing in the Field of Public Service was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

IV. Application

The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

5. Generally, the application method is to fill in a credit card application form, which generally includes the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

VI. The application forms are attached with a credit card use contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have the applicant's autograph.

this is the reason for the large-scale credit card reduction of ABC!

I was caught off guard for this batch reduction. Don't think about 3+1 or 6+1, just keep the quota. Let's take a look at the large-scale credit card reduction of ABC this time.

scope of credit card reduction of ABC

According to the feedback from many card friends, the reduction of credit card of ABC is basically nationwide, and it exists in all provinces, not the policy of any province.

Moreover, this time, the reduction rate of the old farmers is not small, and they are basically cut in half, that is, from 1, to 5,, from 6, to 3,, and from 9, to 1,.

The reason for the credit card reduction of ABC

It is believed that this large-scale credit card reduction of ABC is not sudden, but premeditated for a long time. The basic reasons for this reduction are as follows:

1. The credit card policy of Agricultural Bank of China has been adjusted, and the risk control of credit cards has been strengthened. If there is a problem with the card at ordinary times, it may be directly reduced.

2. The contribution to the Agricultural Bank of China is too small if it has never been divided into stages. It is said that those with a comprehensive score of less than 3 points will be downgraded, and the details are not clear.

3. If the card is empty for a long time, it is not very useful for the Agricultural Bank of China to say that it is empty, frozen or zero bill. Since you don't need it, who will not lower your credit?

4. If a small loan is overdue, don't think that it doesn't matter if the small loan is overdue. Now almost all the information is enjoyed by * * *, no matter whether it is on the credit, the overdue stain has far-reaching influence.

I'm here to introduce the large-scale credit card reduction of Agricultural Bank of China. In fact, on the whole, the credit card reduction of Agricultural Bank of China is a normal policy adjustment. Don't feel panic. As long as you have a good reputation and good credit card use, the credit card reduction does not exist.

that's enough for the introduction of credit card reduction of ABC.