The credit card may be downgraded for the following reasons: 1. Cash with China Bank's credit card: If it is recognized by China Bank's cash-out recognition mechanism as a user's cash-out, the credit card will be downgraded, and the card will be suspended or even investigated for criminal responsibility if the consequences are serious. 2. Credit card overdue: If the user has a record of long-term overdue credit card, China Bank may downgrade the user's credit; 3. Abnormal credit card account: If the user's credit card information is leaked and the credit card is stolen, China Bank will temporarily reduce the credit line after confirmation to prevent greater economic losses; 4. The consumption amount and usage frequency of credit card are too low: If the frequency of credit card swiping is too low or the usage amount of credit card is too small, Bank of China will reduce the amount according to the situation.

China Bank Credit Card is a special carrier card issued by commercial banks to individuals and units, which can be used for shopping, consumption and cash withdrawal from banks.