Affect users’ credit records and banks’ assessment of credit risks.

Influence on user credit record: If the user actively reduces the credit limit but still maintains a high consumption level, it will lead to an increase in credit card usage. A higher usage rate will be regarded as a negative factor, which indicates that the personal The debt burden is large.

Bank assessment of credit risk: If the user actively reduces the limit, the bank will consider that the user has certain credit risks, re-evaluate the user's credit risk, and then take corresponding risk control measures.