users can actively apply for increasing or decreasing the credit card limit, although it is rare to apply for decreasing the credit card limit. After all, credit cards offer an interest-free period, and there is no charge for unused credit lines, so most users hope that the higher the credit card line, the better. However, banks also support users to lower the quota.

users can directly call the customer service hotline of the issuing bank and transfer to manual customer service to apply for reducing the credit card limit. The staff will verify the reason for the reduction and then lower the credit card limit.