⚠️ Important Notes — Credit Limit Downgrade / 重要提示 — 降低信用额度

• Outstanding balance coverage: The requested new limit must not be lower than the current outstanding balance.
  覆盖未结清账款：申请的新额度不得低于现有未结清总额。
• Documentation & review: Additional verification may be required; approval is at the Company’s discretion.
  资料与审核：可能需补充资料；是否批准由公司自主决定。
• Effective timing: Changes take effect only after written confirmation is issued.
  生效时间：以公司出具书面确认后为准。
• Impact: Reducing your limit may affect available spending and collateral proportions.
  影响：降低额度可能影响可用消费额及抵押比例。