Generally speaking, there is always a reason for banks to reduce the amount of credit, which is related to cards that have not been used for a long time or personal credit status. Continue telephone communication and try to negotiate repayment. There are also transactions exceeding the credit limit, which cannot be divided into stages, and the card status is abnormal. If the amount you are using now exceeds the credit limit, it is over the limit and you cannot apply for installment. Remember to pay back on time, never overdue.