I received a text message to downgrade and freeze, and I ignored it. Later, the customer service called and said that my transaction was abnormal and the bank wanted to reduce my quota or freeze it.

Then, if you accept the installment of the bill and open the Pudong Development Bank Card (I didn't hear you clearly), you won't report it to the People's Bank of China, and your credit card will be downgraded and frozen. (disgusting, this is not a naked threat ~ ~)

My brother had a record of being downgraded before, so I immediately checked my brother's credit information through online credit reporting. The next day, the credit report did not record the downgrade or freezing information at all.

(Therefore, the People's Bank of China only records the overdue behavior of individuals, and will not record the reduction or freezing).

I'm annoyed ~ I'm going to pay off my debt and cancel my card ~ Otherwise, listening to it in stages (obviously paying protection fees) will constantly intimidate you and let you squeeze you in stages ~ cherish your life ~ stay away from Pudong Development ~