Bank card downgrading refers to the operation of downgrading a credit card to a debit card or an ordinary card. This operation is generally performed by the bank or the user themselves. When the user does not meet the credit card issuance standards or no longer wants to bear the related responsibilities of the credit card, he or she can choose to downgrade the bank card. Generally speaking, the types of cards held after downgrading may be restricted, such as: repayment methods, overdraft limits, number of card swipes, etc.

If the user chooses to downgrade his bank card, he first needs to confirm the basis for the downgrade and the operation process with the bank. Different banks have different regulations for downgrading. Some will require users to apply after completing the last repayment, while others will require users to apply before the credit card statement date. Therefore, users need to carefully read the relevant agreements and regulations when downgrading their bank cards to avoid unnecessary risks and losses caused by misoperation.

Bank card downgrade will generally not affect the user's personal credit record, but if the cardholder has irregularities or mistakes in repayment and usage, it may have a certain impact on the personal credit record. Therefore, users should choose the appropriate card type when upgrading or downgrading their bank cards, and strictly abide by relevant regulations and agreements to avoid losses to themselves.