Whether it is necessary to keep the reduced credit card of China Construction Bank depends on the severity of the risk control. If the cardholder's credit limit is reduced due to bank risk control due to some trivial matter, then the credit card (debit card) should be kept. As long as the card is used rationally, the credit limit will increase after a period of time. If the cardholder uses the card due to serious overdue or illegal use, it will become very difficult to increase the limit later. It is recommended that the cardholder should not keep this credit card (debit card), but can wait for a period of time and then cancel the card.