Many card friends complained that the credit card has been used for so long, but instead of raising the amount, it has derated, why? I have also seen the Raiders from various aspects, and there are no other things wrong. You need to understand that the amount the bank gives you needs to be within their risk control. Once your actions cause the bank to suspect that you lack repayment ability or have the suspicion of cashing, it is easy to be derated. These behaviors may be just small details, but invisibly reduce your credit card limit.

1. Multiple repayments are overdue

This must be avoided. If the repayment is often overdue, the bank will consider that the cardholder does not have the ability to repay on time and directly reduce the amount.

2. Repay with someone else's bank card

Credit card repayment, whether it is Alipay WeChat or savings card, it is best to use your own, using someone else's bank card will make the bank feel that you are not reliable.

3, every month, the full amount is brushed

After the full amount is over, it will make the bank feel that you are short of money and risk, and it is also likely to be recognized as cash.

4, the amount is large, less card

It is easy to be derated if you spend less. The reason why banks have approved large-value cards is that they hope that cardholders can effectively use the quota. Assume that the quota of 20,000 yuan has been approved, but in fact, the monthly consumption accounts for less than 30%. In the long run, it is likely to be derated by the bank.

5, always in the same merchant to swipe the card, and the amount is larger

For example, each month is fixed on a pos machine for a few large credit cards, and the credit card is usually not consumed by other merchants. Such trading behavior carries a clear suspicion of cash. Even if you don't implement cash, this kind of swiping habit will make you carry a black pot.

6, the card interval is too short (this clause applies to large credit cards)

Frequent credit card swiping in a short period of time, and it is a large amount, may also be suspected of being cashed by the bank. If the same card needs to be swiped multiple times on the same day, the interval between each card should not be less than 15 minutes. If the machine for swiping is not in the same city, the interval should be more than 5 hours.

7, often swipe the brush integer

For example, 50,000 cards often brush 30,000, 40,000. Not meeting the actual consumption, it will be considered as cash.

8, not in the normal business hours to swipe

Except for supermarkets and hotels that are open 24 hours a day, cards that are not in normal business hours will be considered suspected of cashing out.

9, after the repayment, quickly brush out

Many people do not want to overdue because they have no money, and they quickly brush out after repayment on the repayment date. This way the bank will give a derating. We can change the method: more than one stroke, more than one brush, and diversify in the amount and merchants.

10, use someone else's mobile phone to call the amount

The bank can see the mobile phone number you are bound to. If you use other numbers to call the amount, it is easy to be suspected by the bank.

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