Used line refers to the total amount that the lender has used and has not yet repaid. This is an important indicator of credit evaluation, because it reflects the repayment ability and financial situation of the lender. The higher the credit line, the more likely lenders are to fall into financial crisis, because they need to repay more debts.

In order to reduce the use amount, the lender may consider prepayment or reducing consumption. If they have multiple loans, they can consider merging them into one loan to save interest and management fees. At the same time, they can give priority to repaying loans with high interest rates to save repayment interest.

Second-hand line is one of the most important factors in the process of credit evaluation, because it directly reflects a person's credit health. If the amount used by lenders is high, they may be regarded as high-risk borrowers, making it difficult to obtain more loans and credit cards. In addition, a high usage limit will lower a person's credit score, because it indicates that they may have more difficult debts to repay. Therefore, the lender should reduce the use amount as much as possible to maintain a good credit record.