China Construction Bank's credit card cannot be reduced or exempted if it is overdue, unless the cardholder's overdue behavior is caused by the following reasons:

1. If the credit card generates interest due to bank reasons, the cardholder can ask the bank to reduce the interest.

2. Due to serious illness, career and other force majeure factors, the overdue period can be reduced or exempted through consultation.

3. If the cardholder has reached a deferred repayment plan with the bank before the repayment date, but the bank still deducts money on the repayment date, then the overdue interest arising therefrom may also be reduced or exempted by the bank.