If the debt is high, although the customer's subsequent application for loans or new credit cards may be affected, the amount of approval is not expected to be very high, and there is even the risk of rejection, but the existing cards under his name will generally not be reduced because of the high debt.

Unless the customer has multiple credit cards to repay at the same time, the repayment ability is insufficient, which leads to overdue and personal credit damage, otherwise the credit card under this name may be downgraded.

If the overdue circumstances are serious, the card is likely to be frozen, resulting in the inability to use it in the future. Also, the illegal cashing of credit cards may lead to high account risk, which may also be reduced.

Credit card downgrade

Banks will not reduce the credit card limit for no reason. This decrease is usually caused by overdue users, illegal card use and high-risk transactions. Therefore, as long as users keep good credit records and credit card usage records and do not use credit cards illegally, credit cards will basically not be downgraded. Of course, if the system dynamically adjusts the quota, it may reduce the quota for no reason.

It is very common for the system to dynamically adjust the quota. As long as the user's comprehensive score is high, dynamically adjusting the quota will generally increase the user's quota rather than decrease it.