<p>作者：昆廷·福特雷尔</p>
<p>“这是我第一次信用额度被降低。”</p>
<p>“我仍然有足够的额度满足我的需求。”（照片中的人物为模特。）</p>
<p>亲爱的昆廷，</p>
<p>由于我不再像以前那样频繁使用我的万豪信用卡，因为我不再经常旅行，摩根大通降低了我的信用额度。我直到事情发生后才发现。我仍然有足够的额度满足我的需求，我明白如果对我的信用有任何影响，那应该是小而暂时的。</p>
<p>但我在想，这是否会引发连锁反应，导致其他银行也对我使用较少的信用卡采取同样的措施。这是我第一次信用额度被降低。</p>
<p>信用卡用户</p>
<p>您可以通过电子邮件向《理财顾问》提出任何财务和道德问题，邮箱为 qfottrell@marketwatch.com。《理财顾问》遗憾地无法逐一回复问题。</p>
<p>相关：我丈夫计划将他的遗产留给他的成年儿子，而他儿子却偷了他的信用卡在网上赌博。我该怎么办？</p>
<p>您的信用评分可能会在一两个月内稍微受到影响。</p>
<p>亲爱的信用卡用户，</p>
<p>不要把这件事放在心上。</p>
<p>您使用信用卡的频率降低并不一定是坏事。是的，每个行动往往都会带来某种后果，正如您所发现的那样。并不是所有银行都会提前通知客户他们的信用额度被削减，除非这会导致透支费用或其他与信用卡相关的费用。</p>
<p>这提醒我们，信用并不是免费的。它对双方都有风险，信用卡公司使用算法来管理这些风险。如果您不再像过去那样频繁使用某张卡，这可能表明您不需要那么高的信用额度，或者就像您的万豪卡一样，您不再那么频繁地旅行，无论是出差还是休闲。</p>
<p>信用额度对双方都有风险。</p>
<p>您的信用评分可能会在一两个月内稍微受到影响。但除非您打算申请抵押贷款或汽车贷款，否则这对您的生活不会有太大影响。虽然很难不觉得降低的信用额度或暂时的信用评分下降是对您的反映，但实际上并不是。这只是您消费习惯的反映。</p>
<p>摩根大通不对个案发表评论，但在您这样的情况下，银行的标准程序是提前通知客户，并在信用额度减少后再次通知（所以也许您错过了电子邮件/信件）。在第一次通知中，您通常会被给予联系的选项，如果您希望考虑保留您的信用额度。</p>
<p>连锁反应不太可能发生</p>
<p>关于潜在的连锁反应：这不太可能在其他银行引发警报。这并不是 “传染性” 的。其他发卡机构只能访问您的总可用信用、信用卡余额和整体债务与额度比率，这些信息会传递给信用局。其他贷款人没有理由采取行动。</p>
<p>您也处于黑色/红色债务线的正确一侧：信用卡债务最近超过了 1.2 万亿美元，平均每个持卡人的债务约为 6000 美元，国家平均利用率略低于 30%。您的情况可能比因使用减少而降低信用额度要糟糕得多。</p>
<p>有些人喜欢将尽可能多的开支放在信用卡上，以最大化奖励，同时每月偿还债务。其他人则认为这种策略风险较大，以防失业或其他意外事件。最近有一位女士写信给《理财顾问》，说她有 25 张信用卡，想开始取消其中的一些。</p>
<p>不利行动通知</p>
<p>理想情况下，您希望将信用卡使用率与信用额度的比率保持在 25% 到 30% 之间。信用局——Equifax EFX、Transunion TRU 和 Experian EXPN——以不同的方式计算他们的评分。FICO 评分计算支付历史（35%）、欠款金额（30%）、信用历史长度（15%）、新信用（10%）和信用组合（10%）。</p>
<p>消费者金融保护局表示：“在您收到降低信用额度的通知后，发卡机构在 45 天内不能对您收取超限费用或罚款利率。如果发卡机构没有通知您降低信用额度，则不能对您收取超限费用。”</p>
<p>其他贷款人没有理由采取行动。</p>
<p>“在大多数情况下，发卡机构必须在对您的账户进行某些不利更改时，例如降低您的信用额度或终止您的账户时，向您发出 ‘不利行动通知’，” 消费者金融保护局补充道。“该通知应提供采取行动的具体原因，或允许您请求具体原因的说明。”</p>
<p>如果您希望避免未来因 inactivity 而导致的信用额度削减，您可以在不常用的卡上设置小额定期费用，并每月偿还。更好的是，如果您有太多卡，您可以取消一些，专注于您的核心卡。否则，接受降低的信用额度。您仍然是降低额度前的那个人。</p>
<p>不要错过：‘这是我的钱’：我的 80 万美元遗产正在支付 160 万美元的房子。我难道不应该决定我和我丈夫住在哪里吗？</p>
<p>查看《理财顾问》私人 Facebook 小组，成员们帮助解答生活中最棘手的财务问题。发布您的问题，或对最新的《理财顾问》专栏发表看法。</p>
<p>昆廷·福特雷尔之前的专栏：</p>
<p>2025 年将是个不平凡的一年。消费者应该在 2026 年期待更多的 “无声痛苦”。</p>
<p>“房子的价值已经翻了四倍”：我和我的兄弟买了一栋房子，但他没有出资。我该如何解决这个问题？</p>
<p>我姐姐正在购买我们父母价值 300 万美元的房子，但想扣除 10 万美元用于装修。谁对？</p>
<p>通过向道琼斯公司（MarketWatch 的出版商）提交您的故事，您理解并同意我们可以在所有媒体和平台上使用您的故事或其版本。</p>
<p>-昆廷·福特雷尔</p>
<p>该内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和《华尔街日报》发布。</p>
<p>（结束）道琼斯新闻通讯</p>
<p>02-04-26 1916ET</p>

摩根大通

<p>摩根大通因客户对万豪卡的使用减少而降低了客户的信用额度，这可能会暂时对其信用评分产生轻微影响。客户担心其他银行可能会对使用频率较低的卡片降低额度而产生连锁反应。然而，专家表示，这种行为不太可能引起其他银行的警觉，因为它们只关注整体信用利用率。保持 25-30% 的信用利用率对信用评分是理想的，发卡机构在降低信用额度后必须在收取超限费用之前通知客户</p>

<p>By Quentin Fottrell</p>
<div class="lb-trans"><p>作者：昆廷·福特雷尔</p>
</div><p>'This is the first time I've ever had a credit limit lowered'</p>
<div class="lb-trans"><p>“这是我第一次信用额度被降低。”</p>
</div><p>&#34;I still have an adequate limit for my needs.&#34; (Photo subject is a model.)</p>
<div class="lb-trans"><p>“我仍然有足够的额度满足我的需求。”（照片中的人物为模特。）</p>
</div><p>Dear Quentin,</p>
<div class="lb-trans"><p>亲爱的昆廷，</p>
</div><p>Chase lowered the credit limit on my Marriott card because I'm not using that credit card as much as I did in the past, since I don't travel as much anymore. I didn't find out until after it was done. I still have an adequate limit for my needs, and I understand that if there is any impact on my credit, it should be small and temporary.</p>
<div class="lb-trans"><p>由于我不再像以前那样频繁使用我的万豪信用卡，因为我不再经常旅行，摩根大通降低了我的信用额度。我直到事情发生后才发现。我仍然有足够的额度满足我的需求，我明白如果对我的信用有任何影响，那应该是小而暂时的。</p>
</div><p>But I'm wondering whether this could cause a ripple effect in which other banks might do the same with my lesser-used credit cards. This is the first time I've ever had a credit limit lowered.</p>
<div class="lb-trans"><p>但我在想，这是否会引发连锁反应，导致其他银行也对我使用较少的信用卡采取同样的措施。这是我第一次信用额度被降低。</p>
</div><p>Credit-Card User</p>
<div class="lb-trans"><p>信用卡用户</p>
</div><p>You can email The Moneyist with any financial and ethical questions at qfottrell@marketwatch.com. The Moneyist regrets he cannot reply to questions individually.</p>
<div class="lb-trans"><p>您可以通过电子邮件向《理财顾问》提出任何财务和道德问题，邮箱为 qfottrell@marketwatch.com。《理财顾问》遗憾地无法逐一回复问题。</p>
</div><p>Related: My husband plans to leave his estate to his adult son, who steals his credit card to gamble online. What can I do?</p>
<div class="lb-trans"><p>相关：我丈夫计划将他的遗产留给他的成年儿子，而他儿子却偷了他的信用卡在网上赌博。我该怎么办？</p>
</div><p>Your credit score might get dinged (slightly) for a month or two.</p>
<div class="lb-trans"><p>您的信用评分可能会在一两个月内稍微受到影响。</p>
</div><p>Dear Card User,</p>
<div class="lb-trans"><p>亲爱的信用卡用户，</p>
</div><p>Don't take it personally.</p>
<div class="lb-trans"><p>不要把这件事放在心上。</p>
</div><p>It's not necessarily a bad thing that you're using your credit card less often. And, yes, every action tends to have some kind of consequence, as you found out. Not all banks tell a customer in advance that their credit limit is being cut unless it leads to an overdraft fee or some other fees associated with the credit card.</p>
<div class="lb-trans"><p>您使用信用卡的频率降低并不一定是坏事。是的，每个行动往往都会带来某种后果，正如您所发现的那样。并不是所有银行都会提前通知客户他们的信用额度被削减，除非这会导致透支费用或其他与信用卡相关的费用。</p>
</div><p>It's a reminder that credit is not free. It comes with risks for both parties, and credit-card companies use algorithms to manage that risk. If you're not using a card as much as you did in the past, it may suggest either that you don't require as high a credit limit or, as in the case of your Marriott card, that you aren't traveling as frequently, whether for work or leisure.</p>
<div class="lb-trans"><p>这提醒我们，信用并不是免费的。它对双方都有风险，信用卡公司使用算法来管理这些风险。如果您不再像过去那样频繁使用某张卡，这可能表明您不需要那么高的信用额度，或者就像您的万豪卡一样，您不再那么频繁地旅行，无论是出差还是休闲。</p>
</div><p>A line of credit comes with risks for both parties.</p>
<div class="lb-trans"><p>信用额度对双方都有风险。</p>
</div><p>Your credit score might get dinged slightly for a month or two. But unless you're planning to take out a mortgage or an automobile loan, it's not going to make much difference to your life. It may be hard not to feel like a lower credit limit or a temporary ding to your score is a reflection on you, but it's really not. It's only a reflection of your spending habits.</p>
<div class="lb-trans"><p>您的信用评分可能会在一两个月内稍微受到影响。但除非您打算申请抵押贷款或汽车贷款，否则这对您的生活不会有太大影响。虽然很难不觉得降低的信用额度或暂时的信用评分下降是对您的反映，但实际上并不是。这只是您消费习惯的反映。</p>
</div><p>Chase does not comment on individual cases, but in cases such as yours it is the bank's standard procedure to alert the customer in advance and again after a line of credit is reduced (so perhaps you missed the email/letter). In the first notification, you would typically be given the option to reach out if you wish to consider keeping your line of credit.</p>
<div class="lb-trans"><p>摩根大通不对个案发表评论，但在您这样的情况下，银行的标准程序是提前通知客户，并在信用额度减少后再次通知（所以也许您错过了电子邮件/信件）。在第一次通知中，您通常会被给予联系的选项，如果您希望考虑保留您的信用额度。</p>
</div><p>Ripple effects are unlikely</p>
<div class="lb-trans"><p>连锁反应不太可能发生</p>
</div><p>As to the potential ripple effects: It's unlikely that this will trigger alerts at other banks. It's not &#34;contagious&#34; in that way. Other issuers only have access to your total available credit, credit-card balances and overall debt-to-limit ratio, which is passed along to the credit bureaus. There's no reason for other lenders to leap into action.</p>
<div class="lb-trans"><p>关于潜在的连锁反应：这不太可能在其他银行引发警报。这并不是 “传染性” 的。其他发卡机构只能访问您的总可用信用、信用卡余额和整体债务与额度比率，这些信息会传递给信用局。其他贷款人没有理由采取行动。</p>
</div><p>You're also on the right side of the black/red debt line: Credit-card debt recently exceeded $1.2 trillion, and the average individual cardholder's debt hovers around $6,000, with a national average utilization rate of just under 30%. Your situation could be a lot worse than simply a lowering of your credit limit due to a drop in usage.</p>
<div class="lb-trans"><p>您也处于黑色/红色债务线的正确一侧：信用卡债务最近超过了 1.2 万亿美元，平均每个持卡人的债务约为 6000 美元，国家平均利用率略低于 30%。您的情况可能比因使用减少而降低信用额度要糟糕得多。</p>
</div><p>Some people like to put as many expenses as possible on their credit cards in order to maximize rewards while paying off their debt every month. Others see that strategy as risky, in the event of job loss or other unexpected events. This woman recently wrote to The Moneyist to say she had 25 credit cards and wanted to start canceling a raft of them.</p>
<div class="lb-trans"><p>有些人喜欢将尽可能多的开支放在信用卡上，以最大化奖励，同时每月偿还债务。其他人则认为这种策略风险较大，以防失业或其他意外事件。最近有一位女士写信给《理财顾问》，说她有 25 张信用卡，想开始取消其中的一些。</p>
</div><p>Adverse-action notice</p>
<div class="lb-trans"><p>不利行动通知</p>
</div><p>Ideally, you want to keep your ratio of credit-card usage to credit limit at between 25% and 30%. Credit bureaus - Equifax EFX, Transunion TRU and Experian EXPN - calculate their scores differently. A FICO score counts payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).</p>
<div class="lb-trans"><p>理想情况下，您希望将信用卡使用率与信用额度的比率保持在 25% 到 30% 之间。信用局——Equifax EFX、Transunion TRU 和 Experian EXPN——以不同的方式计算他们的评分。FICO 评分计算支付历史（35%）、欠款金额（30%）、信用历史长度（15%）、新信用（10%）和信用组合（10%）。</p>
</div><p>The Consumer Financial Protection Bureau says: &#34;The card issuer cannot charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit until 45 days after it has given you notice of the decreased credit limit. A card issuer cannot charge you over-the-limit fees if it didn't give you notice of the decreased credit limit.</p>
<div class="lb-trans"><p>消费者金融保护局表示：“在您收到降低信用额度的通知后，发卡机构在 45 天内不能对您收取超限费用或罚款利率。如果发卡机构没有通知您降低信用额度，则不能对您收取超限费用。”</p>
</div><p>There's no reason for other lenders to leap into action.</p>
<div class="lb-trans"><p>其他贷款人没有理由采取行动。</p>
</div><p>&#34;In most instances, the card issuer must give you an 'adverse action notice' when it makes certain unfavorable changes to your account, such as lowering your credit limit, or when it terminates your account,&#34; the CFPB adds. &#34;This notice should either provide specific reasons for the action taken or allow you to request a statement of specific reasons.&#34;</p>
<div class="lb-trans"><p>“在大多数情况下，发卡机构必须在对您的账户进行某些不利更改时，例如降低您的信用额度或终止您的账户时，向您发出 ‘不利行动通知’，” 消费者金融保护局补充道。“该通知应提供采取行动的具体原因，或允许您请求具体原因的说明。”</p>
</div><p>If you would like to avoid future inactivity-related cuts to your credit limit, you could put a small recurring charge on cards you rarely use and pay them off each month. Better yet, if you have too many cards, you could cancel a few and focus on your core cards. Otherwise, accept the lower credit limit. You're still the same person you were the day before it was lowered.</p>
<div class="lb-trans"><p>如果您希望避免未来因 inactivity 而导致的信用额度削减，您可以在不常用的卡上设置小额定期费用，并每月偿还。更好的是，如果您有太多卡，您可以取消一些，专注于您的核心卡。否则，接受降低的信用额度。您仍然是降低额度前的那个人。</p>
</div><p>Don't miss: 'It's my money': My $800K inheritance is paying for a $1.6 million house. Shouldn't I decide where my husband and I live?</p>
<div class="lb-trans"><p>不要错过：‘这是我的钱’：我的 80 万美元遗产正在支付 160 万美元的房子。我难道不应该决定我和我丈夫住在哪里吗？</p>
</div><p>Check out the Moneyist private Facebook group, where members help answer life's thorniest money issues. Post your questions, or weigh in on the latest Moneyist columns.</p>
<div class="lb-trans"><p>查看《理财顾问》私人 Facebook 小组，成员们帮助解答生活中最棘手的财务问题。发布您的问题，或对最新的《理财顾问》专栏发表看法。</p>
</div><p>Previous columns by Quentin Fottrell:</p>
<div class="lb-trans"><p>昆廷·福特雷尔之前的专栏：</p>
</div><p>2025 has been one hell of a year. Consumers should expect more 'silent pain' in 2026.</p>
<div class="lb-trans"><p>2025 年将是个不平凡的一年。消费者应该在 2026 年期待更多的 “无声痛苦”。</p>
</div><p>'The house has quadrupled in value': I bought a house with my brother, but he did not contribute. How do I fix this?</p>
<div class="lb-trans"><p>“房子的价值已经翻了四倍”：我和我的兄弟买了一栋房子，但他没有出资。我该如何解决这个问题？</p>
</div><p>My sister is buying our parents' $3 million house, but wants to deduct $100K for renovations. Who's right?</p>
<div class="lb-trans"><p>我姐姐正在购买我们父母价值 300 万美元的房子，但想扣除 10 万美元用于装修。谁对？</p>
</div><p>By submitting your story to Dow Jones &amp; Co., the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms.</p>
<div class="lb-trans"><p>通过向道琼斯公司（MarketWatch 的出版商）提交您的故事，您理解并同意我们可以在所有媒体和平台上使用您的故事或其版本。</p>
</div><p>-Quentin Fottrell</p>
<div class="lb-trans"><p>-昆廷·福特雷尔</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>该内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和《华尔街日报》发布。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻通讯</p>
</div><p>02-04-26 1916ET</p>
<div class="lb-trans"><p>02-04-26 1916ET</p>
</div>

摩根大通因为我使用量减少而降低了我的信用卡额度。这会影响我的信用评分，并导致其他银行也采取类似行动吗？