How to restore the limit after the Agricultural Bank of China credit card has been reduced

After the Agricultural Bank of China credit card limit is reduced, it should be your credit card that triggers the bank's risk control system. In this case, unless it is You have a large deposit certificate from the Agricultural Bank of China, otherwise it will be difficult to increase the limit.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and its basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

What should I do now if the limit of the Agricultural Bank of China credit card was accidentally reduced?

If you accidentally reduce the temporary limit of the Agricultural Bank of China credit card, you can try to dial 4006695599 to manually reduce the temporary limit. Reduce the limit by one yuan, select the second day for the validity period, and try to apply for a limit increase application on the third day to see if it can be increased.

How to adjust the Agricultural Bank of China credit card limit

Hello, you can adjust the credit card limit through the following methods:

1. Palm Bank: Please log in to Palm Bank APP, click "Credit Card → Limit Adjustment" and select temporary limit or permanent limit.

2. Online banking: Please log in to personal online banking, click "Credit Card → Settings → Limit Adjustment" and select a temporary limit or a permanent limit.

3. WeChat: Please follow the "Agricultural Bank of China" WeChat official account and click "Micro Finance → Credit Card → My Limit" to adjust the temporary limit. WeChat Bank supports a temporary limit of RMB 50,000 or more. Adjustment application within the value.

4. Credit card WeChat: Please follow the "Agricultural Bank of China Credit Card" WeChat official account and click "Benefits/Bill → My Limit" at the bottom of the page to adjust the card's temporary limit.

5. SMS: Please send "CCLSED#last four digits#currency# application limit" to 1069095599 to apply for increasing the temporary limit of your credit card (C-RMB account, F-account).

6. Customer service hotline: Please call the Agricultural Bank of China credit card 24-hour customer service hotline 4006695599 to apply for adjusting the temporary limit or permanent limit of your credit card.

(Answer time: November 22, 2020. In case of business changes, please refer to the actual situation.

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Agricultural Bank of China credit card limit reduction during the epidemic

During the epidemic, the credit card limit was reduced. Users can proactively call the customer service hotline of the card-issuing bank and ask the customer service staff to help adjust the limit and restore the limit. before being lowered.

If the quota is reduced due to system reasons alone, the quota can be adjusted back.

However, due to the user's overdue repayment, suspicious consumption, etc., the limit is reduced, and the limit cannot be restored manually. The system must wait until the user accumulates a good credit record before the system can restore the previous limit. .

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

This is the reason why Agricultural Bank of China credit cards have been reduced in large quantities!

I was a little unprepared for this batch reduction. Don’t think about 31 or 61, just keep the quota. Let’s take a look at the large-scale reduction of Agricultural Bank of China’s credit cards this time. What’s going on?

Scope of Agricultural Bank of China credit card delimitation

According to feedback from many cardholders, the delimitation of Agricultural Bank of China is basically nationwide and applies to all provinces, not just any one. provincial policies.

Furthermore, this time the reduction for old farmers is not small. It is basically cut in half, that is, from 100,000 to 50,000, from 60,000 to 30,000, and from 90,000 to 30,000. To ten thousand.

The reasons for the Agricultural Bank of China credit card reduction

We believe that the large-scale reduction of Agricultural Bank of China's credit cards is not sudden, but has been planned for a long time. The basic reasons for this reduction are as follows:

1. The Agricultural Bank of China’s credit card policy has been adjusted, and risk control of credit cards has been strengthened. If you have problems with the card, your credit may be reduced directly. .

2. Those who never apply for installments will contribute too little to the Agricultural Bank of China. It is said that those whose comprehensive contribution score is less than 3 points will be reduced. The details are not very clear.

3. For those who have had their cards empty for a long time, the previously mentioned empty card limit increases, frozen limit increases or zero bills are not very useful for Agricultural Bank of China. Since you don’t need it, who will get it if you don’t have it reduced? ?

4. If a small loan is overdue, don’t think that it will have no impact if the small loan is overdue. Nowadays, almost all information is shared. Regardless of whether it is on the credit report or not, the stain of overdue loans has far-reaching consequences.

That’s it for everyone about the large-scale reduction of Agricultural Bank of China’s credit cards. In fact, in general, the reduction of Agricultural Bank of China’s credit cards is a normal policy adjustment. Don’t panic. As long as you have good credit and good card usage, Well, derating is non-existent.

Comprehensive reasons and countermeasures for the crazy credit card credit reductions of the four major banks

In recent years, as the competition in the credit card market has become increasingly fierce, are banks looking for a new card to win over customers? . However, in order to prevent and control risks, banks will adjust credit card limits in a timely manner based on actual conditions. There are four major banks that have adopted crazy reductions in credit card limits. Do you want to know the reasons and countermeasures of the four major banks' crazy reductions? Let’s take a look below!

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

1. Agricultural Bank of China Credit Card

Many customers who hold Agricultural Bank of China credit cards said that the credit card limit they held was suddenly reduced, and the limit was basically cut in half. The main concentration areas are Hangzhou, Shenzhen, Hubei and other places.

In major forums and post bars, many cardholders said that their credit card limits have been reduced from 120,000 to 60,000, 50,000 to 10,000, and even from 80,000 to 10,000. The magnitude is evident.

2. Bank of Communications Credit Card

For a long time, Bank of Communications Credit Card users who have increased their limit have favored the frozen type. However, judging from a group of friends who have reduced their limit, it is really because of the freezing method. The quota was raised sharply, but the quota was drastically reduced. Some cardholders said that the limit of several thousand or tens of thousands of dollars was directly reduced to 10 yuan. This is to force the cardholder to cancel the card directly!

3. China CITIC Bank Credit Card

CITIC Bank, which has always been nicknamed the "Iron Rooster", has difficulty in increasing the credit limit. This time it also started to reduce the credit limit in batches, which made many CITIC Bank holders Credit card users are complaining.

How can I support my daily overdraft needs with a low limit, and how can I make the most of it?

4. China Guangfa Bank Credit Card

Guangfa Bank, which also joined the group of credit reductions, had cardholders with credit limits of 10,000 yuan and 5,000 yuan, and all of them were reduced to 8 yuan after repaying the balance. !

So, how should friends who encounter crazy deratings respond? Is it really the only way out to cancel the card? For cardholders with daily overdraft needs, it is recommended that you do not cancel the card. After all, it is the bank's policy to reduce the limit wildly. If you cancel the card and then apply for a credit card, the limit 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 a temporary limit through customer service phone and actively use the card;

2. If the limit is reduced When you reach a few yuan, there is no limit for overdraft, so you might as well save money for consumption, and you can accumulate personal credit while collecting money;

3. If it doesn’t work, choose to cancel the card early, and then try again after a year and a half. When applying for a card, never apply for a card immediately after canceling the card.

This is the end of the introduction to the Agricultural Bank of China credit card limit reduction and Agricultural Bank of China credit card limit reduction text messages. I wonder if you found the information you need?