Don't worry too much about the credit limit being reduced, because not all credit limit reductions will cause any problems. It depends on how far the limit is lowered. If it is overdue, it is difficult to apply for another credit card.

1. Due to the theft of the credit card, the credit card amount decreased. After handling the stolen credit card, the general bank will restore the credit limit for the cardholder. What cardholders need to do is to protect their credit cards and repay them on time.

2. If the number of credit cards decreases due to overdue, the cardholder needs to pay off the overdue amount in time, so as not to bear huge penalty interest and late fees, or even cause personal bad credit records. After that, you can pay back on time by credit card withdrawal, and strive to restore the quota as soon as possible.

3. If the credit card is downgraded due to long-term non-use, the cardholder can decide whether to continue to hold the card according to his own situation. If it's really useless, he can apply for cancellation of his credit card.

You see that you are in that situation, and then decide whether to apply for a credit card, because you can't pass it if you have a credit stain.