VTB, Alfa-Bank and T-Bank simultaneously cut the credit limits for customers with a clean history. According to reports, one VTB card holder immediately lost 4/5 of the authorized amount, while another received zero. Alfa cut the limit from 300 thousand to 30 thousand rubles. - 10 times exactly. T-Bank records collapse from 730 thousand to 146 thousand and from 244 thousand to 48 thousand rubles. Customers in their reviews on financial forums specifically state that there were no delays at all. Meanwhile, VTB confirmed that the bank regularly reviews limits - up and down - based on credit load, the intensity of use of borrowed funds and "other factors" that the bank has the right not to disclose. The last thing is important. From a legal point of view, the bank does not have to explain the decision, which means that the client receives an unmotivated surprise: yesterday the credit buffer was 730 thousand rubles, today - 146 thousand. And these 3 banks are no exception. The market synchronously changes portfolios of pre-approved limits. What is happening is a preventive compression of the balance sheet risk. With a high prime rate, the cost of financing increases, and the unusable limit on a credit card is a contingent liability that is realized at any time. The banks do not expect defaults. They remove potential debt from the balance sheet before it materializes. The losing side was the middle class, who held credit cards as a liquidity cushion. The winners are banks that reduced contingent liabilities without having to explain anything.

VTB, Alfa-Bank and T-Bank simultaneously cut the credit limits for customers with a clean history. According to reports, one VTB card holder immediately lost 4/5 of the authorized amount, while another received zero. Alfa cut the limit from 300 thousand to 30 thousand rubles. - 10 times exactly. T-Bank records collapse from 730 thousand to 146 thousand and from 244 thousand to 48 thousand rubles. Customers in their reviews on financial forums specifically state that there were no delays at all. Meanwhile, VTB confirmed that the bank regularly reviews limits - up and down - based on credit load, the intensity of use of borrowed funds and "other factors" that the bank has the right not to disclose. The last thing is important. From a legal point of view, the bank does not have to explain the decision, which means that the client receives an unmotivated surprise: yesterday the credit buffer was 730 thousand rubles, today - 146 thousand. And these 3 banks are no exception. The market synchronously changes portfolios of pre-approved limits. What is happening is a preventive compression of the balance sheet risk. With a high prime rate, the cost of financing increases, and the unusable limit on a credit card is a contingent liability that is realized at any time. The banks do not expect defaults. They remove potential debt from the balance sheet before it materializes. The losing side was the middle class, who held credit cards as a liquidity cushion. The winners are banks that reduced contingent liabilities without having to explain anything.