1. With the progress and development of the times, there are not only some lending institutions in the market, but also some repayment institutions to help users repay, which can alleviate the repayment pressure of users to some extent.

2. For banks, as long as the payer's account is not the user's own, the user's repayment ability will be questioned. In order to avoid the loan risk, the credit limit is usually reduced immediately after the user pays off the debt.