According to your description, it is the decrease of your installment amount that leads to the decrease of your personal amount. This situation generally has no effect on the consumption quota.

Personal total amount = consumption amount+installment total amount.

1. Consumption quota: recyclable, and can be used for daily consumption/installment business;

2. Total installment amount: including installment preferential amount and installment exclusive amount. The installment special line is a credit line granted by Guangfa Bank for installment business, which cannot be used for daily consumption; The installment exclusive quota is a franchise quota, which can be used in demand scenarios such as decoration, shopping and education (not all customers have it).

You need to apply to the bank to use the installment amount, subject to the bank's audit results. The bank can adjust this amount according to your credit card/credit status.

The credit card limit composition can be viewed in "Discover the wonderful APP home page limit management personal limit information".