Credit card reduction means that banks adjust the credit card quota according to the user's card usage and repayment. As long as there is no bad credit record of credit card in the credit report, the reduction will not affect personal credit. Of course, if the credit card is reduced due to overdue, the overdue will directly affect personal credit, but the reduction itself will not affect the user's credit.

Credit card downgrade may be caused by many reasons. After the downgrade, the credit card can still be used normally, and users can recover the credit limit by accumulating good credit records.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can check the personal credit risk index in Winnie Hsin. The higher the risk score, the easier it is for the application to be rejected.

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Will the rejection of credit loans affect personal credit?

If the user's multiple applications for credit loans are rejected, a large number of loan approval records will be retained in the credit information, which will make personal credit information useless and further affect personal credit. However, the frequency of rejection of credit loans is low, and users only apply for credit loans occasionally, which will not affect personal credit.

In order to avoid personal credit being affected by refusing loan records, users should not apply for credit loans frequently. Credit loans are mainly used to query users' personal credit qualifications. If the credit qualification is poor, it will not be approved.