The reason why you are not allowed to downgrade may be because your bank card is a magnetic stripe card with a low safety factor. This transaction does not support reading the magnetic stripe for trading. So you need to go to the counter and ask the staff to upgrade your bank card. Bank card downgrade transaction refers to a transaction mode in which a magnetic stripe chip composite card is attached to a payment terminal (such as a POS machine), and the chip card cannot be used for transaction, but the magnetic stripe method is used for payment. If the credit card payment shows that the bank card does not support downgrade transactions, it may be due to bank card damage, payment terminal failure and other reasons. If it is found that the payment terminal is not faulty after inspection, it is necessary to contact the staff of the bank and ask the staff to inquire whether it is necessary to upgrade the card.

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Bank card upgrade steps

Upgrade of the second-class card of rural credit cooperatives: cardholders can carry valid identity documents and physical debit cards to any outlet of rural credit cooperatives to upgrade and transform the first-class and second-class cards. Debit cards for upgrading the entity's first-class and second-class cards must be in normal card status. Rural credit cooperatives do not support the upgrading of special cards or supplementary cards such as social security cards. If the cardholder has a first-class card before opening a military security card and a special retirement card, it can be reduced to a second-class card account and can be upgraded or downgraded.

According to the regulations, the same person can only open one first-class card account in the same bank. When the cardholder upgrades the second-class card account, the original number of first-class cards must be zero before the upgrade business can be carried out. Rural credit cooperatives do not support the upgrading of passbook settlement accounts. If the cardholder's primary account number is a passbook settlement account opened before 20 16 1 1.30 (inclusive), it cannot be upgraded or downgraded, and the rural credit cooperatives will cancel the passbook according to the cardholder's requirements. Class II cards belong to restricted function accounts. Cardholders can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. Cardholders can go to rural credit cooperatives to consult the specific situation.

Generally speaking, every bank has channels for upgrading ordinary savings cards. After upgrading, there will be differences between assets and exclusive services.