Detailed description:

1. Credit card companies usually monitor the cardholder's repayment behavior and credit history, and overdue repayment will have a negative impact on the credit rating.

2. Credit card companies can decide whether to reduce the credit limit according to the overdue situation and personal credit records.

3. Overdue repayment is regarded as bad behavior, and credit card companies may reduce the amount to reduce potential risks.

4. Lowering the limit can limit the spending power of cardholders, thus reducing the risk of credit card arrears.

5. If the credit limit is reduced, the cardholder needs to re-evaluate his repayment ability and debt management.

Summary:

Late repayment of credit cards may reduce the credit limit, so timely repayment is an important measure to maintain a good credit record.

Extended data:

The credit card limit is usually determined according to the credit rating, income status and repayment record of the cardholder. Overdue repayment will adversely affect the credit rating, and credit card companies may reduce the amount in order to avoid risks. Cardholders can maintain a high credit limit by maintaining good repayment habits, avoiding overdue repayment and checking credit reports regularly.