Excessive consumption risk leads to. Credit line consumption loan is a loan method provided according to the borrower's credit rating and credit line, which is used for personal consumption expenditure. There are no specific restrictions on the use of such loans, and borrowers can freely control the loan funds according to their own needs. If the borrower's consumption risk is too high, resulting in the use of the line of consumer loans can not be used for the borrower, the borrower should reduce consumption according to its own situation.