There is no substantial impact. The user's own application for credit reduction is not directly related to credit and card use habits. As long as you keep a good habit of using your card, spend money frequently and repay it on time, there will be no adverse effects. After actively reducing the quota, you can still actively apply for increasing the quota or restoring the quota. The credit card is downgraded by the bank, which is equivalent to being risk-controlled by the bank, which is not good.