Legal analysis: there are two main reasons for the reduction of credit cards, one is that they are not used for a long time, and the other is that credit cards are overdue. If the amount is reduced because it has not been used for a long time, it will generally not affect the credit investigation. If the number of credit cards decreases due to malicious cashing or overdue repayment, it will not only affect the personal credit record, but also lead to the suspension of the use of credit cards, and if the circumstances are serious, criminal responsibility will be investigated.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1029 A civil subject may inquire about his own credit evaluation according to law; If it is found that the credit evaluation is improper, it has the right to raise objections and demand necessary measures such as correction and deletion. The credit reporting agency shall check it in time, and if it is verified, it shall take necessary measures in time.

Article 1030 The provisions of this Part on the protection of personal information and the relevant provisions of other laws and administrative regulations shall apply to the relationship between civil subjects and credit information processors such as credit reporting agencies.