Yes. If installment repayments are frequent in a short period of time, and the bank feels that the user does not have the financial ability to repay in full, or is suspected of cashing out, then the user's credit card limit may be reduced to reduce the bank's credit risk, so the installment repayments will be reduced. Quota. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.