【中文版】

花呗是支付宝提供的一种信贷支付方式，用户可以享受先消费后付款的便利服务。花呗的额度是指用户可以使用的最高借款金额，这个额度是可以调整的。那么，花呗调整额度有什么用呢？

首先，花呗调整额度可以更好地满足用户的需求。如果用户的消费水平有所提高，或者有一些突发的大额支出，调整额度可以增加用户的支付能力，避免因为额度不足而无法完成支付的情况。

其次，花呗调整额度也可以帮助用户更好地控制消费。如果用户的额度过高，就容易产生过度消费的情况，导致还款压力增大甚至逾期。适当地调整额度，可以让用户更加理性地消费，避免不必要的浪费。

此外，花呗调整额度还可以帮助用户提高信用评级。在支付宝的信用体系中，用户的信用评级是根据用户的信用历史、行为偏好、人脉关系等多个因素综合评估得出的。如果用户经常使用花呗并按时还款，就可以提高自己的信用评级，从而获得更高的额度。

总的来说，花呗调整额度的作用有很多，可以更好地满足用户的需求、帮助用户控制消费、提高信用评级等。用户可以根据自己的实际情况适时地调整花呗的额度。

【英文版】

HuaBei is a credit payment method provided by Alipay that allows users to enjoy the convenience of shopping before paying. The credit limit of HuaBei refers to the maximum borrowing amount that a user can use, and this limit can be adjusted. So, what is the purpose of adjusting the credit limit of HuaBei?

Firstly, adjusting the credit limit of HuaBei can better meet the needs of users. If a user's consumption level increases, or there is a sudden large amount of expenditure, adjusting the limit can increase the user's payment ability, avoiding the situation of being unable to complete the payment due to insufficient limit.

Secondly, adjusting the credit limit of HuaBei can also help users better control their consumption. If a user's credit limit is too high, it is easy to overspend, resulting in increased repayment pressure or even overdue repayment. Adjusting the limit appropriately can make users more rational in their spending and avoid unnecessary waste.

In addition, adjusting the credit limit of HuaBei can help users improve their credit rating. In Alipay's credit system, users' credit ratings are assessed based on multiple factors such as credit history, behavior preferences, and social connections. If a user often uses HuaBei and repays on time, they can improve their credit rating and thus obtain a higher credit limit.

Overall, adjusting the credit limit of HuaBei serves many purposes, including better meeting user needs, helping users control consumption, and improving credit ratings. Users can adjust their credit limit of HuaBei from time to time based on their actual situation.