If the cardholder's credit card (credit card) has been reducing the repayment, you can keep the existing limit by making a small repayment and then swiping the credit card (credit card) to avoid being greatly reduced by the bank at one time. However, it is not conducive to the subsequent increase of credit card (debit card) line, and it can not well reflect the cardholder's spending power and demand for line. A small repayment amount is considered as poor repayment ability.