not easy. Holidays have nothing to do with credit card reduction. As long as the number of credit card swipes reaches the standard, the credit card is repaid on time at ordinary times, and a good borrowing habit is formed, and there is no breach of trust such as overdue, there will be no credit card reduction. Credit cards are electronic money issued by banks for consumers to buy goods and pay fees. Cardholders can withdraw cash or spend money on shopping according to regulations.