1. The decision to reduce the credit line is based on comprehensive evaluation: When ABC decides to reduce the credit line, it will be based on the comprehensive evaluation of the cardholder, including credit card usage, repayment record, credit score and other factors. If the cardholder's comprehensive evaluation is not up to standard, even if he complains by phone, he can't change the decision to reduce the quota.

2. The telephone appeal process is complicated: when the cardholder chooses to restore the credit line through telephone appeal, he needs to provide a lot of supporting materials and information. This process is complicated and the success rate is not necessarily high.