This transaction refers to a transaction after the credit rating has been reduced.

Downgrade transactions refer to when making credit or debit card transactions, if the card swipe machine used by the merchant cannot process certain types of cards, and the transaction can only be completed through a lower-level transaction method, then A downgrade transaction will occur. Generally speaking, the card swiping machine will process the transaction according to the standards of the transaction. If the transaction requires a higher-level processing method, but the card swiping machine cannot support it, then a downgraded transaction will occur.