When unsealing, the bank will decide whether it is necessary to check the cardholder's credit report according to the user's usual habit of using credit cards. If the cardholder is overdue and has some unusually large transactions, the bank will check the cardholder's credit report, and if there are many bad credit records, it will be downgraded.

If the cardholder has a good habit of using the card, the bank will not check the cardholder's credit report if it is only an overdue card.