Abnormal update information of CITIC credit card
Abnormal status of CITIC credit card means it has been controlled by the bank. If CITIC Bank sends a text message to remind you that the status of your credit card is abnormal, your credit card will generally be blocked soon. card or lower your credit card limit. If your credit card is abnormal, you can call CITIC Bank’s credit card customer service hotline 400-889-5558 to learn about the situation and apply for credit card restoration.
1. CITIC Bank Credit Card Center
It is a business department established by CITIC Bank Head Office in Shenzhen to conduct unified management, centralized operation and independent accounting of credit card business. It is a branch of CITIC Bank Head Office. It is the national headquarters of China CITIC Bank’s credit card business.
II. Development History
Since the CITIC Bank Credit Card was officially issued at the end of 2003, especially in the past four years since 2006, it has closely focused on the goal of "building a world-class credit card center" The strategic goal is to "acquire basic retail customers, establish the CITIC retail brand, become a profit growth point for CITIC Bank, and build a mid-to-high-end customer service system" as its business positioning, and firmly grasp the three key points of "building a brand, building a platform, and creating management" , promote the coordinated development of business efficiency, quality and scale, strive to cultivate operating characteristics and management advantages, enter a new stage of sustainable and profitable development, and become an important force in promoting the development of China's credit card industry.
At the end of 2009, the cumulative number of cards issued by CITIC Bank Credit Card Center exceeded 9.3 million, with an annual transaction volume of nearly 80 billion yuan. The total number of employees was approximately 5,000, with an average age of 27 years old, and 88% had a college degree or above. After good and rapid development in recent years, CITIC Bank's credit card center's market share has steadily increased, ranking among the top three among small and medium-sized commercial banks in terms of card issuance scale and outstanding loan balance, and has become the country to enter the profit cycle in the shortest time and with the least capital investment. As a credit card center, the non-performing loan ratio and loss rate are at a lower level than peers. In addition, in terms of the back-office operation system centered on building customer service capabilities, the sales system centered on building regional marketing service centers, and the business operating system centered on building profitability, core competition with CITIC Bank characteristics has been initially formed. It has become one of the most competitive joint-stock commercial bank credit card centers.
China CITIC Bank Credit Card Center has always adhered to the concept of service creating value, and has had a wide impact on the industry and customers. It has been awarded the best call center in the Asia-Pacific region, the most popular credit card brand among women, and the most popular credit card brand for many times. Best Business Travel Credit Card, Harvard Business Review Management Action Gold Award and many other industry awards.
Why did China CITIC Bank suddenly send a message saying that the transaction was abnormal?
It means that the credit card is already under risk control.
There is an abnormality in the credit card transaction. The bank sends a text message to remind the user, indicating that the credit card is under risk control and the user needs to use the card in accordance with the regulations. For example, do not swipe your card at POS machines that skip codes, do not swipe your card at suspicious merchants, try to maintain the diversity of consumption, etc. Only in this way can you help relieve bank risk control.
There are abnormalities in credit card transactions, which may be caused by the following reasons: the bank payment channel is being maintained and upgraded; the credit card is overdue and the card is frozen; the current transaction is risky and the bank refuses the user to use the credit card for payment ; The card is damaged or degaussed; the consumer merchant is marked as suspicious by the bank, etc.
The unusual situation of credit card transactions may be due to the fact that any POS receipt that is not successfully printed when using a credit card to make a purchase will be considered an unsuccessful transaction, but does not include paper jams or paper shortages. When an unsuccessful transaction occurs, you should check the card status and account balance to confirm whether the card status is normal and whether the unsuccessful consumption amount has been recorded. If the card status is abnormal, you should check the reason; if the consumption amount has been recorded, you can ask the credit card center to assist in the inquiry and transfer the unsuccessful consumption amount. If there is an abnormality in the credit card transaction and the user cannot determine the cause, he or she can directly call the customer service hotline of the card-issuing bank and let manual customer service help the user solve the problem.
What does CITIC Bank's credit card exception mean?
CITIC Bank's credit card exception means that your credit card has been blocked by the bank. Banks will conduct risk monitoring on credit card transactions and transfer records. For credit cards with abnormal transaction records and transfer records, banks will take measures such as blocking the card and reducing the limit.
Generally, the reasons why bank cards are judged as abnormal by banks are:
(1) Credit card payments are overdue. Or the bank learns that the credit card holder has a bad credit record in other banks or financial institutions.
(2) The cardholder’s ID card has expired. A new ID card needs to be replaced and identity information entered.
(3) The credit card consumption record is abnormal, and there is a possibility of illegal credit card operations.
Common credit card abnormal records include:
(1) Transactions are conducted at the same time and the same account is often used for cross-regional transactions. For example, your credit card transaction records show that you spend money in Beijing at 9 a.m. every day, and then go to Shanghai to spend money at 3 p.m. , which is more suspicious.
(2) The amount of the credit card transaction is obviously inconsistent with the nature of the apartment and the time. For example, at 12 o'clock in the evening, you spend 1,000 yuan in a jewelry store. At first glance, there is nothing wrong with it, but which regular jewelry store in China is still open at 12 o'clock in the evening?
(3) You have made purchases at the same merchant multiple times in a row, and the consumption amount is not only relatively large, but also an integer. The possibility of cashing out on a credit card is very high.
(4) There is a relatively obvious return of funds. That is, after the cardholder makes a credit card purchase, he will receive a sum of funds soon. And the amount of funds is similar to the amount of consumption. Such a situation can easily be judged by the bank as a credit card cash out.
CITIC Bank Credit Card Upgrade Elite Platinum Card Order Exception
The reasons for CITIC Bank Credit Card Upgrade Elite Platinum Card Order Exception are:
1. CITIC Credit Card Upgrade Order A single exception indicates that the cardholder has violated regulations when using the card.
2. The CITIC credit card in use has an abnormal status prompt, indicating that the cardholder has been limited and needs to go to CITIC Bank to remove the limit.
Why does a credit card display a card abnormality?
If the credit card status is abnormal due to an overdue credit card, the credit card can be restored as long as the overdue balance is settled. The credit card is frozen or blocked due to illegal use. If the user cannot submit valid certificates for bank review, then the card is likely to be unrecoverable. If you want to use the card again at this time, you need to apply for another one.
During normal use of the card, the user may also trigger the bank's risk control. As long as the materials are submitted for review and explained clearly, the card will not be affected.
1. Credit card abnormalities can be recovered. There are many reasons for abnormal credit card status, such as over limit, overdue, incorrect password input and lock, wrong input of information during transaction and transaction freeze, etc. , whether it can be restored depends on the specific situation.
2. Users can call the customer service hotline to inquire whether it can be restored. If we encounter an abnormality with our credit card, we should promptly call the credit card customer service center number to explain the situation, find the cause of the abnormality, and then solve the problem according to the actual situation.
3. Recovery method for abnormal credit card status: Overdue card status will be abnormal, pay off the overdue debt and apply for card recovery; illegal use of the card will lead to risk control, and the card can be recovered by submitting supporting materials and passing review; If a credit card is reported as lost and causes an abnormality in the card, it can be restored by canceling the credit card reported as lost; if the credit card is locked after entering the wrong password, it can be unlocked by changing the password. The above methods can help users solve the problem of abnormal credit cards. If users cannot analyze the cause, they can directly call the customer service hotline of the card-issuing bank for consultation.
4. When using a credit card, it shows that the card status is abnormal. If you want to restore it to normal, it is recommended that the customer first call the customer service staff of the card-issuing bank to ask what the abnormality is, and then take corresponding measures. .
If the magnetic stripe/chip is degaussed due to damage, the customer can just go to the bank to replace the card with a new one. If the card is locked, just contact the bank to apply for unlocking it (for example, if the card is locked due to continuous incorrect password entry, just reset the password to unlock it. Many banks will automatically unlock it after 24 hours).
5. If the account risk increases due to illegal cash-out and other behaviors, and thus is subject to bank risk control, the customer can only wait patiently for the bank's risk control to end, and then be careful to avoid risk operations such as cash-out again. When the account risk decreases, the bank will naturally lift the risk control.
This is the end of the introduction about the abnormality of CITIC credit card and the abnormal status of CITIC debit card. I wonder if you found the information you need?