Q deduction on China Construction Bank’s credit card means that the bank has frozen the credit card code. Generally, Q deduction means that the bank has frozen the credit card. The situations in which the bank has frozen the credit card are as follows:
1. The first situation: The card has risks, such as information leakage, card being used fraudulently, etc. This situation is relatively common. In China, you must be careful not to leak information, because leaked information can easily cause economic losses. ;
2. The second situation: abnormal transactions, such as abnormalities in TX, purchase or T points, will cause bank credit cards to be frozen;
3. The third situation: The debt is overdue, resulting in a bad credit record in the bank. This situation will cause the bank to freeze the credit card.
In short, if the card is risky, or if the card is opened for personal use or has poor repayment records, which brings hidden dangers or risks to the bank, it may be frozen.
Extended information:
A case of Q-deduction on CCB credit card:
Recently, some readers have reported receiving such "warm reminder" text messages. The number is not CCB’s customer service number 95533, but a mobile phone number starting with “150”. The consultation phone numbers in the text messages are not consistent, but they are all numbers starting with 400. The strangest thing is that many citizens who received the text messages have never applied for a CCB credit card.
The reporter called one of the 400 numbers yesterday, and the person who answered the phone was a young woman with a strong southern accent. When she heard the content of the text message, she said directly without asking any questions: "You applied for a credit card with an overdraft limit of 100,000. The higher the overdraft limit, the higher the annual fee."
In fact, the reporter did not apply for a CCB credit card at all. When a reporter questioned why the text message was not sent from CCB's customer service number, she only said: "We are the credit card department here." Just hung up the phone. When the reporter called the 400 number left in another text message, no one answered.
Subsequently, the reporter contacted the CCB 95533 customer service center, and the staff told the reporter with certainty that all text messages sent by CCB to customers were sent through "95533" and could not be sent from ordinary mobile phone numbers. This kind of text message should be a trap for scammers, so ignore him.
The reporter learned that the same SMS scam has occurred frequently in other parts of the country. Mr. Wang, a citizen of Qingdao, was almost fooled. After receiving the text message about annual fee deduction, Mr. Wang contacted the phone number provided in the text message.
When the female operator learned that he still had more than 30,000 yuan on his CCB bank card, he immediately suggested that Mr. Wang call "Beijing" The UnionPay Center phone number protected the deposits, and the staff at the UnionPay Center asked Mr. Wang to go to the ATM machine to perform upgrade operations and taught him step by step how to operate. At the last step, the operation prompt on the ATM machine asked whether to confirm the transfer. Mr. Wang suddenly realized that he was not fooled.
For this type of fraudulent text messages, bankers remind everyone that cardholders can call the unified customer service hotline of each bank on the back of the credit card. Do not dial the number provided in the text message at will to prevent information leakage and fraud. Being deceived by scammers;
The numbers used by banks to send text message reminders are all fixed. For example, the text messages sent by China Construction Bank to customers are all through "95533"; banks will never ask for passwords from customers, and all the numbers that involve asking for passwords are Phone calls and text messages can basically be judged as fraudulent messages. Do not disclose your bank card number or personal ID number to strangers.
Ifeng.com-Beware of credit card annual fee debit SMS scam