Detailed description:

1. First of all, overdue repayment refers to the failure to repay the arrears on time after the repayment date of the credit card bill. In the event of overdue repayment, banks usually take corresponding measures, one of which is to reduce the credit card limit.

Secondly, the bank will set a certain credit limit when issuing credit cards, which depends on the user's personal credit status and income level. Overdue repayment will bring risks to the bank, because it shows that the cardholder's repayment ability is insufficient or unwilling to repay on time. In order to reduce risks, banks may reduce the credit limit of overdue customers.

In addition, reducing the quota is a way for banks to protect their own interests. By reducing the credit limit, banks can limit the spending power of cardholders and reduce potential risks. This will help to avoid overdue repayment and default and protect the interests of banks and cardholders.

4. Summary: Overdue repayment of credit cards will lead banks to reduce the credit limit, thus reducing risks and protecting the interests of both parties.

Extended data:

Overdue repayment of credit cards will have a negative impact on personal credit records. The bank will report the overdue situation to the credit reporting agency and record it in the personal credit reporting. Credit report is an important basis for evaluating personal credit status, which has an important impact on future credit activities such as borrowing money, buying a house and buying a car. Therefore, it is very important to repay the credit card arrears in time and avoid damage to the credit record.