'credit-decreasing' originates from the combination of 'credit,' which comes from Latin 'creditum,' meaning 'a loan or trust,' and 'decreasing,' from Latin 'decrescere,' meaning 'to grow less.'

'credit' evolved from the Latin 'creditum' through Old French 'crédit,' while 'decreasing' evolved from Latin 'decrescere' through Old French 'decreistre.'

Initially, 'credit' meant 'trust or loan,' and 'decreasing' meant 'growing less.' Together, they now refer to a reduction in credit availability.