CITIC Bank credit card will not be downgraded, you can consider the following points:
1. Credit record: Make sure your credit record is good. Pay off your credit card bills on time to avoid overdue payments and delinquencies. Keep your credit card utilization ratio low, which is the ratio of your used credit limit to your total credit limit.
2. Stable income: The bank will review your income status. Maintaining a stable source of income will help increase your chances of success in credit card applications.
3. Apply reasonably: Avoid applying for credit cards frequently in a short period of time. This will be interpreted as an eagerness to borrow money, thus lowering your credit rating.
4. Provide accurate information: Provide accurate and complete information on the credit card application form. False information will result in rejection of the application.
5. Additional materials: You need to provide relevant additional materials required by the bank, such as income certificate, identity certificate, etc.
6. Banking relationship: If you already have other financial products with CITIC Bank, such as savings accounts, your banking relationship will have a positive impact on your application.
7. Application method: Applications can be submitted through online channels or at bank branches. Banks offer some additional benefits for online applications.