If your mod increases or decreases, you may find previous credits disappearing and/or being replaced with debits!!
I bet you are scratching your head right now with the first part of that sentence, if my mod decreases I can have credits lowered and be replaced by debits? You read it right !!
If your mod increases too much, you could be forced into the pool, a PEO, or no longer qualify for a lower cost group plan.
If you are currently in the pool or PEO, lowering your mod could get you out.