The CCB Gold Card will become an ordinary card, and it will automatically become an ordinary card if it fails to pass the bank gold card audit. When the average daily financial assets of China Construction Bank reached 50,000 yuan in the last quarter, it can apply to become a VIP gold card customer of the bank. China Construction Bank will review gold card customers, and those whose accounts do not meet the requirements will be downgraded. To put it simply, banks will regularly review customers, usually once a quarter. If the account does not meet the qualification, it will be downgraded.