Yes The cardholder reduces the credit card limit due to overdue repayment, repeated overdue or malicious overdraft. In order to prevent the risk from further expanding, the reduction will be manually reviewed. At the same time, cardholders also have irregular behaviors when using credit cards, such as cashing out. In order to avoid risks, China Everbright Bank will reduce the credit card limit of cardholders through manual review. Therefore, Everbright's credit card downgrade is a manual review.