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Detailed description:

1. Online merchant loans and credit cards are independent financial products, and overdue repayment usually does not directly affect the quota adjustment of other products.

2. When determining the credit card limit, the bank mainly considers the customer's credit record, income and other factors, rather than relying solely on the repayment performance of a certain product.

3. Online merchant loans overdue's repayment may have a negative impact on personal credit record, but this does not mean that the bank will automatically adjust the credit card limit.

4. When adjusting the credit card limit, banks pay more attention to the overall credit status of customers, including credit card history, loan records, employment stability and other factors.

Summary:

Generally, repayment by online merchants in loans overdue will not directly lead to the reduction of credit card limit. Banks comprehensively consider multiple factors in the quota decision, and different wealth management products are often evaluated independently.

Extended data:

Repayment by online merchants in loans overdue may have a negative impact on personal credit records, including the decline of credit score and overdue credit records. The adjustment of credit card limit pays more attention to the overall credit status of customers, not just depending on a certain repayment behavior. Banks will comprehensively evaluate customers' repayment ability, credit card history, loan situation and other factors to make decisions. Therefore, after the online merchant loans overdue repays the loan, he will pay off the debt in time and maintain a good credit performance, which will help to maintain the stability of the credit card limit.