Whether the credit card reduction requires immediate repayment depends on the situation, as follows:

1. For example, under the normal use of credit cards, the amount will be temporarily adjusted. In this case, the cardholder can repay on time on the repayment date without prepayment.

2. If the overdue repayment leads to a decrease, it needs to be repaid immediately. The credit card limit will not be restored in a short time, and subsequent cardholders need to keep good consumption records and repayment records, and the limit may rise.