Credit cards cannot be downgraded. There are three situations: 1. First of all, there are bad records on credit information, ranging from tens of thousands to thousands of platinum cards. 2. Next, handing in your ID card is different. Platinum cards may receive customer service consultation or bank loans. 3. You can't see the details of credit information, such as whether there are any bad records or overdue records, and whether the credit card is valid.